Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Atlantic Beach — a pool home in Jacksonville.

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Active

Active·30 days on market

1978 Brista De Mar Circle

Atlantic Beach, FL 32233

$1,500,000$446/sqftEst. $7,719/moMLS# 2153675

Beds

Baths

3,364

Sq Ft

1986

Built

Garage

Yes

Pool

About this home

Atlantic Beach

Location: the only thing you cannot change! Welcome Home to this well appointed open floor plan private pool oasis with tons of natural light to bring nature into your home. Vaulted ceilings, large living room, formal dining room, offering split floor plan, and circular driveway perfect for a growing family or entertaining. Boasting an attached but separate 1 bedroom 1 bath suite with private entrance and driveway multipurpose flex space. Situated in an established neighborhood with oak lined streets perfect for a stroll, easy bike down Ocean Avenue to the bustling Atlantic Beach town center with restaurants, nightlife, and shopping, or join the country club for a round of golf, tennis, gym session, or community pool activities. 0.4 Mile walk to the ocean to catch the sunset! Great neighborhood with local farmers market, art walks, and community center nearby this is the tucked away private retreat you are looking for! Photos have been virtually staged. Showings by appointment only.

Cost to own

Mortgage calculator

Home Price

$1,500,000

Down Payment: 20%

$300,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$7,719

Principal & Interest: $7,719

Property taxes (est.): $2,449

Insurance (est.): $1,000

Estimated Total Monthly

$11,169

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.67% · 30yr$7,719

Property taxesest. at asking price, Duval County$2,449

Estimated total, before insurance$10,169/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$1,227,263	$1,152,538	—
2024	$1,047,762	$1,047,762	▼ $1,231
2023	$784,054	$754,587	—
2022	$747,449	$685,989	—
2021	$623,627	$623,627	—
2020	$575,135	$575,135	—

Estimated taxes if purchased at asking price: ~$29,400/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 1986)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely sewer · Public water (record)

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,416 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Aug 11, 2026Active$1,500,000
Jul 29, 2026Active Under Contract$1,500,000
Jul 21, 2026Active$1,500,000
Jul 19, 2026Active Under Contract$1,500,000
Jul 17, 2026Pending$1,500,000
Jul 3, 2026Listed$1,500,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,500,000

Price / Sq Ft$446

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,364

Acres0.33 acres

Year Built1986

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Fenced

Is WaterfrontNo

Direction FacesWest

Community Information

Address1978 Brista De Mar Circle, Atlantic Beach, FL 32233

Area231-Atlantic Beach-North

SubdivisionSelva Norte

CityAtlantic Beach

CountyDuval

StateFL

Zip Code32233

Lot Size14,374.8 sq ft

Lot Dimensions90 X120

Parcel Number1695061688

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, In-Law Floorplan, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

Window FeaturesSkylight(s)

Spa FeaturesIn Ground