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.

1 / 27

Pending

Pending·6 days on market

1656 Park Terrace W

Atlantic Beach, FL 32233

$1,900,000$840/sqftEst. $9,758/moMLS# 2160944

Beds

Baths

2,263

Sq Ft

1973

Built

Garage

Pool

About this home

Atlantic Beach

Set on an exceptional .47 acre lot along coveted Park Terrace West, this property offers an incredible opportunity to create something truly special in one of the area's most sought after locations. Just steps from the sand and moments from Atlantic Beach Country Club, the setting is hard to replicate, and the generous lot provides a rare canvas for bringing your vision to life. The existing home has been thoughtfully refreshed, making it possible to enjoy as is while planning your future or begin envisioning a custom dream home. Recent improvements include upgraded solid white oak flooring throughout, updated electrical, a new kitchen backsplash, refreshed guest bathroom tile, fresh interior paint, and removal of the popcorn ceilings. Whether you choose to transform the existing residence or build from the ground up, bring your vision and make this coveted address your own!

Cost to own

Mortgage calculator

Home Price

$1,900,000

Down Payment: 20%

$380,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$9,758

Principal & Interest: $9,758

Property taxes (est.): $3,102

Insurance (est.): $1,267

Estimated Total Monthly

$14,127

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$9,758

Property taxesest. at asking price, Duval County$3,102

Estimated total, before insurance$12,860/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,776/yr · $648/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): $7,776/yr

Estimated taxes if purchased at asking price: ~$37,200/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.

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: Shingle — year not disclosed (home built 1973)

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: ~1,479 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 August 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