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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Atlantic Beach.

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Sold

Sold·Closed Sep 1, 2026·3 days on market·Recent sales in Atlantic Beach

162 Belvedere Street

Atlantic Beach, FL 32233

$625,000sold priceListed at $625,000 · 100% of asking$487/sqftMLS# 2155664
3
Beds
2
Baths
1,284
Sq Ft
1977
Built
2
Garage
No
Pool
FEMA Zone XNo HOA5,663 sqft lotSingle Family Residence1 story

About this home

Atlantic Beach

Experience the allure of coastal living at 162 Belvedere Street, a charming property ideally located in the heart of Atlantic Beach. This residence presents an exceptional chance to adopt a laid-back, beach-focused lifestyle while staying close to the vibrant neighborhood energy. Positioned just moments from pristine sands, top surf spots, and local dining and shopping destinations, the home captures the true spirit of the Atlantic Beach community. Benefiting from convenient proximity to key coastal routes, the property ensures easy travel throughout the surrounding region. Whether you envision a permanent seaside retreat or a strategic investment, this home provides a solid foundation. Embrace the balance of coastal tranquility and everyday convenience--discover everything this Atlantic Beach property provides.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$3,462
Property taxesest. at asking price, Duval County$1,021
Estimated total, before insurance$4,482/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,669/yr · $639/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$625,000
$125,000
Loan Term
Monthly Payment
$3,462
Principal & Interest: $3,462
Property taxes (est.): $1,021
Insurance (est.): $417
Estimated Total Monthly
$4,899
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: material not specified — year not disclosed (home built 1977)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,675 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $7,669/yr

Estimated taxes if purchased at asking price: ~$12,200/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, NEFMLS.

History

Price & status history

  • Sep 2, 2026Closed$625,000
  • Jul 20, 2026Active Under Contract$625,000
  • Jul 16, 2026Listed$625,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $433/sq ft; this home is listed at $487/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
455 Irex Road, Atlantic Beach, FL 32233Listed by COWFORD REALTY & DESIGN LLCAug 2026$605,000$4334/21,396300.2
785 Triton Road, Atlantic Beach, FL 32233Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTAug 2026$710,000$4733/21,500200.3
365 Sargo Road, Atlantic Beach, FL 32233Listed by COMPASS PROPERTY SERVICES INCAug 2026$505,000$3673/21,3771730.3
310 Skate Road, Atlantic Beach, FL 32233Listed by NON MLS (realMLS)Aug 2026$375,000$2613/1.51,43630.4
43 Forrestal Circle N, Atlantic Beach, FL 32233Listed by SELLSTATE JAX REALTYAug 2026$350,000$2582/1.51,3551230.5
515 3rd Street, Neptune Beach, FL 32266Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$1,450,000$8983/2.51,615860.7

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$625,000
Price / Sq Ft$487
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,284
Total Structure Area1,612 sq ft
Acres0.13 acres
Year Built1977
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address162 Belvedere Street, Atlantic Beach, FL 32233
Area232-Atlantic Beach-South
SubdivisionSaltair
CityAtlantic Beach
CountyDuval
StateFL
Zip Code32233
Lot Size5,662.8 sq ft
Parcel Number1705770000
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit

Additional Information

Date ListedJuly 16, 2026
Days on Market3
Tax Amount$7,668.68
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REAL BROKER LLC

Sold by: KELLER WILLIAMS REALTY ATLANTIC PARTNERS (buyer's brokerage)

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 1, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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