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 Jacksonville — a home near Duncan U. Fletcher High School.

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Active

Active·26 days on market

1139 Beach Dune Drive

Jacksonville, FL 32233

$330,000$199/sqftEst. $1,683/moMLS# 2154048

Beds

Baths

1,660

Sq Ft

2020

Built

Garage

Pool

About this home

Jacksonville

Move right into this beautifully maintained, one-owner townhome in the sought-after Atlantic Beach Preserve! Built in 2020 on a peaceful lakefront lot, this 3-bedroom, 2.5-bath home offers low-maintenance living just minutes from the beach. The open-concept layout features wood-look tile flooring, a half bath, and a stylish kitchen with quartz countertops, stainless steel appliances, white cabinetry, and a subway tile backsplash. Upstairs, the spacious owner's suite overlooks the lake and includes a walk-in shower and double vanity. A versatile loft and upstairs laundry add everyday convenience, while the washer, dryer, and water softener all convey. Relax on the screened lanai with serene lake views or enjoy easy access to Atlantic Beach, Mayport, Hanna Park, Dutton Island Preserve, shopping, and dining. HOA covers lawn care and exterior maintenance for effortless coastal living.

Cost to own

Mortgage calculator

Home Price

$330,000

Down Payment: 20%

$66,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,683

Principal & Interest: $1,683

Property taxes (est.): $539

Insurance (est.): $220

Estimated Total Monthly

$2,441

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,683

Property taxesest. at asking price, Duval County$539

HOAbilled monthly$315

Estimated total, before insurance$2,536/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,965/yr · $414/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $355,000 in April 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2024	$296,975	$183,799	—
2023	$274,372	$176,990	—
2022	$220,379	$170,379	—
2021	$204,446	$204,446	—
2020	$40,000	$40,000	—

2025 property taxes (current owner): $4,965/yr

Estimated taxes if purchased at asking price: ~$6,500/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 (2024), NEFMLS.

Storms & insurance

Florida Reality Check

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

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 2020)

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

Solar potential: ~1,801 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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