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·45 days on market

314 9th Street

Atlantic Beach, FL 32233

$1,695,000$713/sqftEst. $8,705/moMLS# 2154162

Beds

Baths

2,378

Sq Ft

1985

Built

Garage

Yes

Pool

About this home

Atlantic Beach

Atlantic Beach living doesn't get much better than this. Just three blocks from the ocean and a short walk to Atlantic Beach Town Center, this beautifully updated home offers the perfect blend of coastal charm, modern updates, and an unbeatable location. The thoughtfully renovated interior features an updated kitchen that opens to the main living area, creating a bright and inviting space that's perfect for everyday living and entertaining. New flooring throughout gives the home a fresh, cohesive feel, while abundant natural light fills the space. Upstairs features a spacious primary suite with an en suite bathroom, two additional bedrooms, a full guest bathroom, and a bonus flex space that can easily be used as a home office, study area, or additional storage. Step outside to your own private backyard retreat featuring a sparkling pool, putting green, and plenty of room to relax, entertain, or enjoy the Florida sunshine. Don't miss this unique opportunity in Atlantic Beach!

Cost to own

Mortgage calculator

Home Price

$1,695,000

Down Payment: 20%

$339,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$8,705

Principal & Interest: $8,705

Property taxes (est.): $2,768

Insurance (est.): $1,130

Estimated Total Monthly

$12,603

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$8,705

Property taxesest. at asking price, Duval County$2,768

Estimated total, before insurance$11,473/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,338/yr · $778/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

Year	Market value	Taxable value	Change
2024	$889,430	$517,642	▼ $693
2023	$839,464	$501,109	—
2022	$795,573	$485,058	—
2021	$651,399	$470,455	—
2020	$645,620	$463,270	—

2025 property taxes (current owner): $9,338/yr

Estimated taxes if purchased at asking price: ~$33,200/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 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 1985)

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: ~1,753 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