This home is in Atlantic Beach.

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1145 Stocks Street

Atlantic Beach, FL 32233

$415,000$379/sqftEst. $2,116/moMLS# 2156601

Beds

Baths

1,096

Sq Ft

1997

Built

Garage

Pool

About this home

Atlantic Beach

Fully renovated Atlantic Beach gem just 2 miles from the ocean! Ride your bike to everything the area has to offer! Just minutes to Beaches Town Center, dining, shops, breweries, and nightlife. This turn-key home features new luxury vinyl plank flooring throughout. The modern kitchen boasts two-tone cabinetry, quartz counters, a marble mosaic backsplash, and brand-new Frigidaire stainless steel appliances. Both bathrooms are fully updated with designer tile- one featuring a custom walk-in shower and pebble floor, the other a tub/shower combo wrapped in sleek slate-style tile with brass accents. Key upgrades include a 2019 roof, 2026 AC, brand new fence & a freshly installed irrigation system. Live the ultimate beach lifestyle!

Cost to own

Mortgage calculator

Home Price

$415,000

Down Payment: 20%

$83,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,116

Principal & Interest: $2,116

Property taxes (est.): $678

Insurance (est.): $277

Estimated Total Monthly

$3,070

*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$2,116

Property taxesest. at asking price, Duval County$678

Estimated total, before insurance$2,794/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,217/yr · $351/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): $4,217/yr

Estimated taxes if purchased at asking price: ~$8,100/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 — 2019 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: ~1,080 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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