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 pool home in Jacksonville.

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Active

Active·Listed today

2009 Vela Norte Circle

Atlantic Beach, FL 32233

$1,549,000$545/sqftEst. $7,963/moMLS# 2161979

Beds

Baths

2,844

Sq Ft

1994

Built

Garage

Yes

Pool

About this home

Atlantic Beach

Finding an affordable, turnkey entry point into the heart of Atlantic Beach is incredibly rare, but 2009 Vela Norte Circle delivers exactly that. This timeless all brick ranch blends classic architecture with beautifully elevated updates, allowing you to move right in and immediately start enjoying the beach lifestyle. The fully renovated kitchen showcases refined finishes, quartz countertops, and plenty of storage including a walk-in pantry. The open living floor plan flows seamlessly into the generous living and dining areas, beautifully accented by an electric fireplace, plantation shutters, upgraded lighting, and plank tile flooring throughout. The primary suite is generous in size, has a walk-in closet as well as a beautifully updated primary bath. Two additional bedrooms are downstairs, and a private upstairs bonus room, which serves perfectly as a fourth bedroom, complete with its own fully updated bathroom. Outside is a private screen-enclosed salt water pool with LED lights

Cost to own

Mortgage calculator

Home Price

$1,549,000

Down Payment: 20%

$309,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$7,963

Principal & Interest: $7,963

Property taxes (est.): $2,529

Insurance (est.): $1,033

Estimated Total Monthly

$11,525

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$7,963

Property taxesest. at asking price, Duval County$2,529

Estimated total, before insurance$10,493/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,602/yr · $717/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

Year	Market value	Taxable value	Change
2025	$1,192,678	$490,630	—
2024	$1,194,785	$476,096	▼ $816
2023	$757,685	$460,773	—
2022	$720,828	$445,897	—
2021	$599,817	$431,454	—
2020	$550,464	$424,807	—

2025 property taxes (current owner): $8,602/yr

Estimated taxes if purchased at asking price: ~$30,400/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 (2025), 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 1994)

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

Solar potential: ~1,517 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 27, 2026Active$1,549,000
Aug 26, 2026Listed$1,549,000

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

Features

Price$1,549,000

Price / Sq Ft$545

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,844

Total Structure Area2,844 sq ft

Acres0.34 acres

Year Built1994

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Heated, Salt Water, Screen Enclosure, Waterfall

Is WaterfrontNo

Direction FacesWest

School Information

ElementaryAtlantic Beach

Community Information

Address2009 Vela Norte Circle, Atlantic Beach, FL 32233

Area231-Atlantic Beach-North

SubdivisionSelva Norte

CityAtlantic Beach

CountyDuval

StateFL

Zip Code32233

Lot Size14,810.4 sq ft

Lot Dimensions87' x 143' Tax Role

Parcel Number1695061110

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Propane

Water SourcePublic

ParkingAttached, Circular Driveway, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Solar Tube(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air, Wall/Window Unit(s)

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level, Sink

Window FeaturesSkylight(s)