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 Royal Palms, Atlantic Beach — a home near Duncan U. Fletcher High School.

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Active Under Contract

Active Under Contract·29 days on market·Royal Palms

466 Mako Drive

Atlantic Beach, FL 32233

$699,000$357/sqftEst. $3,597/moMLS# 2154426

Beds

Baths

1,957

Sq Ft

1972

Built

—

Garage

Pool

About this home

Royal Palms

Welcome to the heart of Atlantic Beach, nestled in the desirable Royal Palms neighborhood--this one is ready for you! Designed with multigenerational living in mind, this 4-bedroom, 2-bath home offers nearly 2,000 SF with a flexible floor plan, additionally a detached shed ideal for working from home. Start your mornings with a bike ride to the ocean, coffee from your favorite local spot, and Sundays at the Atlantic Beach Farmers Market at Jack Russell Park just blocks away from your door. Unwind on the screened lanai or relax on the back deck. Major updates include a 2023 roof, newer exterior paint, updated windows, kitchen, and bathrooms, while still offering the opportunity to make it your own. Just a short walk to Hoppy Porch Taproom, Royal Palms Wine Bar, Fish Co. & more. Hop in your golf cart to Beaches Town Center and enjoy some of the best local restaurants, coffee shops, boutiques, and more. This is your opportunity to embrace the Atlantic Beach lifestyle! Are you ready for it

Cost to own

Mortgage calculator

Home Price

$699,000

Down Payment: 20%

$139,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$3,597

Principal & Interest: $3,597

Property taxes (est.): $1,141

Insurance (est.): $466

Estimated Total Monthly

$5,205

*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$3,597

Property taxesest. at asking price, Duval County$1,141

Estimated total, before insurance$4,739/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,399/yr · $617/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	$550,259	$408,104	—
2023	$473,358	$394,762	—
2022	$431,808	$381,808	—
2021	$359,682	$359,682	—
2020	$358,776	$331,826	—

2025 property taxes (current owner): $7,399/yr

Estimated taxes if purchased at asking price: ~$13,700/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 — 2023 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,629 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

Price & status history

Jul 23, 2026Active Under Contract$699,000
Jul 15, 2026Active$699,000
Jul 8, 2026Listed$699,000

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

Features

Price$699,000

Price / Sq Ft$357

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,957

Total Structure Area2,277 sq ft

Acres0.18 acres

Year Built1972

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive Under Contract

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryAtlantic Beach

MiddleMayport

HighDuncan Fletcher

Community Information

Address466 Mako Drive, Atlantic Beach, FL 32233

Area232-Atlantic Beach-South

SubdivisionRoyal Palms

CityAtlantic Beach

CountyDuval

StateFL

Zip Code32233

Lot Size7,840.8 sq ft

Lot Dimensions80x93

Parcel Number1714780000

ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingOn Street, RV Access/Parking

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, His and Hers Closets, In-Law Floorplan, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms

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

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)