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 gated community home in Jacksonville.

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Active

Active·1 day on market

1810 Sevilla Boulevard 302

Atlantic Beach, FL 32233

$495,000$382/sqftEst. $2,542/moMLS# 2160948

Beds

Baths

1,296

Sq Ft

1974

Built

—

Garage

Pool

About this home

Atlantic Beach

Experience a relaxed coastal lifestyle just half a mile from the beach! This completely renovated 2-bedroom, 2-bath condo is tucked inside a gated 55+ community in desirable Atlantic Beach. This move in ready unit has a spacious living area with ample room to relax, entertain, and enjoy everyday living. The well-equipped, updated kitchen offers plenty of cabinetry and prep space. The split-bedroom layout offers added privacy. There is even a laundry closet prepped for a ventless stackable washer and dryer. Step onto the refreshing screened balcony overlooking serene trees and a quiet neighborhood, perfect for enjoying a relaxing morning coffee or an afternoon read. The unit has one assigned covered parking space, plus plenty of guest parking. Enjoy Sevilla's wonderful amenities, including a clubhouse, pool, tennis courts, and more. Atlantic Beach Country Club is just down the street, with the beach, dining, and coastal lifestyle all close by!

Cost to own

Mortgage calculator

Home Price

$495,000

Down Payment: 20%

$99,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,542

Principal & Interest: $2,542

Property taxes (est.): $808

Insurance (est.): $330

Estimated Total Monthly

$3,680

*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$2,542

Property taxesest. at asking price, Duval County$808

HOAbilled monthly$748

Estimated total, before insurance$4,098/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,899/yr · $408/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): $4,899/yr

Estimated taxes if purchased at asking price: ~$9,700/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.

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 1974)

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

Likely sewer · FL0038776 - City of Atlantic Beach · Public water (record)

County records indicate this parcel on central sewer served by FL0038776 - City of Atlantic Beach — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,667 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 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