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Active

Active·5 days on market

193 Oceangate Drive

Atlantic Beach, FL 32233

$295,000$212/sqftEst. $1,524/moMLS# 2162879

Beds

Baths

1,392

Sq Ft

2016

Built

—

Garage

Pool

About this home

Atlantic Beach

Rare opportunity to own this freshly renovated townhome 1.5 miles from the ocean in Atlantic Beach! Just a short stroll or bike ride to get sand between your toes on this beautiful beach in Northeast Florida. Situated near the heart of Beaches Town Center where you can enjoy all the restaurants, shops, and night life. It's also just a short drive to Mayport Naval Station and highly-rated schools. This owner-occupant only community provides a well-maintained, friendly and stable neighborhood with a very low HOA fee and 2 assigned parking spaces per unit. Just completed a full interior renovation with all new paint, doors, lighting, and upgraded fixtures in kitchen and both bathrooms. The kitchen also has brand new stainless steel appliances. Don't miss out on your chance to own at the beach!

Cost to own

Mortgage calculator

Home Price

$295,000

Down Payment: 20%

$59,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$1,524

Principal & Interest: $1,524

Property taxes (est.): $482

Insurance (est.): $197

Estimated Total Monthly

$2,203

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$1,524

Property taxesest. at asking price, Duval County$482

HOAbilled monthly$125

Estimated total, before insurance$2,131/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.

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 2016)

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

Solar potential: ~1,818 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 September 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

Price & status history

Sep 1, 2026Listed$295,000

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

Features

Price$295,000

Price / Sq Ft$212

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,392

Year Built2016

TypeResidential

Sub-TypeTownhouse

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontNo

Direction FacesWest

Community Information

Address193 Oceangate Drive, Atlantic Beach, FL 32233

Area232-Atlantic Beach-South

SubdivisionOcean Gate Condo

CityAtlantic Beach

CountyDuval

StateFL

Zip Code32233

Parcel Number1734140390

ZoningResidential

Amenities

AmenitiesMaintenance Grounds, Management - Off Site, Park, Playground

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Assigned, Guest, Off Street, Other

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Primary Bathroom -Tub with Separate Shower

AppliancesDisposal, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator

HeatingCentral, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Vinyl

# of Stories2

LevelsTwo

LaundryUpper Level, Washer Hookup

SecuritySmoke Detector(s)

Exterior

Lot DescriptionOther

Patio / PorchCovered, Front Porch, Rear Porch

ConstructionFrame

Road SurfaceAsphalt

Road FrontagePrivate Road

Additional Information

Date ListedSeptember 1, 2026

Days on Market2

HOA Fees$125 / Monthly

HOA FrequencyMonthly

HOA NameOcean Gate HOA / Beaches Habitat

HOA Fee IncludesMaintenance Grounds

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: SAVVY AVENUE, LLC.

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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