This home is in Atlantic Beach.

1 / 37

Active

Active·Listed today

372 Ahern Street

Atlantic Beach, FL 32233

$795,000$660/sqftEst. $4,041/moMLS# 2156232

Beds

Baths

1,204

Sq Ft

1928

Built

—

Garage

Pool

About this home

Atlantic Beach

Charming 1928 building in the heart of Beaches Town Center, zoned CBD (Central Business District). Currently operating as a four-tenant cowork suite with in-place income. CBD permits office, medical/dental office, low-intensity retail and service, restaurant/café, and gallery or cultural use -- plus a single dwelling unit within the same building as a permitted commercial use, allowing a live/work configuration for an owner-occupant. Two on-site parking spaces. New roof. Walkable to Atlantic Beach and Neptune Beach shops, restaurants, and the ocean. Buyer to verify all uses and development potential with City of Atlantic Beach Community Development.

Cost to own

Mortgage calculator

Home Price

$795,000

Down Payment: 20%

$159,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,041

Principal & Interest: $4,041

Property taxes (est.): $1,298

Insurance (est.): $530

Estimated Total Monthly

$5,869

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$4,041

Property taxesest. at asking price, Duval County$1,298

Estimated total, before insurance$5,339/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $5,177/yr

Estimated taxes if purchased at asking price: ~$15,600/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 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 1928)

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

Likely sewer

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: ~1,808 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