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 Atlantic Beach — a home near Duncan U. Fletcher High School.

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Active

Active·Listed today

2233 Seminole Road 41

Atlantic Beach, FL 32233

$489,000$374/sqftEst. $2,522/moMLS# 2159645

Beds

Baths

1,307

Sq Ft

1974

Built

—

Garage

Pool

About this home

Atlantic Beach

Experience the beach life in this beautifully updated 2-story condo in a quiet oceanfront community in Atlantic Beach. Offering 2 bedrooms, 2.5 bathrooms, and 1,307 sq ft of light-filled space, this home blends comfort, style, and an unbeatable beachside lifestyle. The bright interior features luxury vinyl flooring on the main level and a spacious living area ideal for relaxing or entertaining. The kitchen is updated with brand-new stainless steel appliances, and a new HVAC system and water heater were installed in 2024. Enjoy seamless indoor-outdoor living with a screened porch which opens to a grassy backyard, and a second story deck off the master bedroom, both perfect for morning coffee or evening breezes. Community amenities include a pool and clubhouse, plus gated access to a private white-sand beach just steps away. Conveniently located near dining, shopping, and essentials, this home offers true oceanfront community living with direct access to a tranquil private beach.

Cost to own

Mortgage calculator

Home Price

$489,000

Down Payment: 20%

$97,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,522

Principal & Interest: $2,522

Property taxes (est.): $799

Insurance (est.): $326

Estimated Total Monthly

$3,646

*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$2,522

Property taxesest. at asking price, Duval County$798

HOAbilled monthly$760

Estimated total, before insurance$4,080/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,311/yr · $359/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): $4,311/yr

Estimated taxes if purchased at asking price: ~$9,600/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.

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 1974)

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

Solar potential: ~1,809 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 11, 2026Listed$489,000

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

Features

Price$489,000

Price / Sq Ft$374

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,307

Acres0.04 acres

Year Built1974

TypeResidential

Sub-TypeCondominium

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementaryAtlantic Beach

MiddleMayport

HighDuncan Fletcher

Community Information

Address2233 Seminole Road 41, Atlantic Beach, FL 32233

Area231-Atlantic Beach-North

SubdivisionOcean Village

CityAtlantic Beach

CountyDuval

StateFL

Zip Code32233

Lot Size1,742.4 sq ft

Parcel Number1695190180

Amenities

AmenitiesPool, Beach Access, Clubhouse, Maintenance Grounds, Maintenance Structure, Management - Off Site

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan, Primary Bathroom - Shower No Tub

AppliancesDisposal, Electric Range, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Water Heater, Ice Maker, Microwave, Washer/Dryer Stacked

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet

# of Stories2

LevelsTwo

LaundryIn Unit

SecuritySmoke Detector(s)