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 waterfront home in Jacksonville.

1 / 47

Active

Active·14 days on market

2608 Sandy Dune Drive

Jacksonville, FL 32233

$329,500$198/sqftEst. $1,680/moMLS# 2155067

Beds

Baths

1,660

Sq Ft

2022

Built

Garage

Pool

About this home

Jacksonville

Welcome to Atlantic Beach Preserve, where low-maintenance living meets an unbeatable location at the beaches! This well-maintained 3-bedroom, 2.5-bath townhome offers a thoughtfully designed floor plan with comfortable living spaces and is situated on a desirable water view lot. The open-concept kitchen flows into the living and dining areas, creating the perfect space for everyday living and entertaining. A convenient half bath on the main level is ideal for guests, while upstairs you'll find all three bedrooms, a dedicated laundry room, storage spaces, and a versatile loft that could be used as a second living/seating area. The primary suite offers unobstructed water views and spacious bathroom with walk in shower. Step outside to enjoy the screened lanai and added paver patio, creating an additional outdoor living space overlooking a tranquil pond--an ideal setting for morning coffee or relaxing at the end of the day watching the wildlife activity!

Cost to own

Mortgage calculator

Home Price

$329,500

Down Payment: 20%

$65,900

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,680

Principal & Interest: $1,680

Property taxes (est.): $538

Insurance (est.): $220

Estimated Total Monthly

$2,438

*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$1,680

Property taxesest. at asking price, Duval County$538

HOAbilled monthly$315

Estimated total, before insurance$2,533/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,692/yr · $474/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

2025 property taxes (current owner): $5,692/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, 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 2022)

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

Solar potential: ~1,767 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