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This home is in Atlantic Beach.

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Active

Active·Listed today

1913 Seminole Road

Atlantic Beach, FL 32233

$749,000$376/sqftEst. $3,863/moMLS# 2159176

Beds

Baths

1,993

Sq Ft

1988

Built

Garage

Pool

About this home

Atlantic Beach

From the moment you step inside this desirable Atlantic Beach townhome, you will appreciate the unique split-level design. Offering nearly 2,000 square feet of conditioned living space, the layout creates a highly comfortable and functional living experience with fewer stairs between floors and enhanced privacy throughout. The first-floor side entrance opens into an oversized laundry room, a convenient storage closet, and a spacious two-car garage. Just four steps up, you enter the main living level, which features a soaring vaulted family room ceiling, a dedicated dining space, and a half-bathroom. The large kitchen is beautifully appointed with granite countertops and plenty of cabinetry. This main level also seamlessly extends your living space outdoors, offering both an open deck and a relaxing screened porch. Continuing just five steps up, you will find two nicely sized guest bedrooms and a full bathroom. Another short flight of six steps leads to the private, oversized primary

Cost to own

Mortgage calculator

Home Price

$749,000

Down Payment: 20%

$149,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,863

Principal & Interest: $3,863

Property taxes (est.): $1,223

Insurance (est.): $499

Estimated Total Monthly

$5,585

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$3,863

Property taxesest. at asking price, Duval County$1,223

HOAbilled annually$17

Estimated total, before insurance$5,103/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,974/yr · $498/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): $5,974/yr

Estimated taxes if purchased at asking price: ~$14,700/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, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1988)

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

Solar potential: ~1,753 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

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

Aug 8, 2026Active$749,000
Aug 7, 2026Listed$749,000

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

Features

Price$749,000

Price / Sq Ft$376

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,993

Acres0.09 acres

Year Built1988

TypeResidential

Sub-TypeTownhouse

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementaryAtlantic Beach

Community Information

Address1913 Seminole Road, Atlantic Beach, FL 32233

Area231-Atlantic Beach-North

SubdivisionBeachside

CityAtlantic Beach

CountyDuval

StateFL

Zip Code32233

Lot Size3,920.4 sq ft

Parcel Number1695420534

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces1

# of Stories4

LevelsMulti/Split

LaundryIn Unit, Lower Level