Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Atlantic Beach.

Photo 1 / 22
Active

Active·51 days on market

193 Oceangate Drive

Atlantic Beach, FL 32233

$295,000$212/sqftEst. $1,621/mo mortgageMLS# 2162879
3
Beds
2
Baths
1,392
Sq Ft
2016
Built
—
Garage
No
Pool
FEMA Zone XHOA $125/moTownhouse2 stories

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

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!

Next steps in Atlantic Beach

FollowNew Atlantic Beach homes the day they list · free, no account

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$1,621
Property taxesest. at asking price, Duval County$482
HOAbilled monthly$125
Estimated total, before insurance$2,228/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$295,000
$59,000
Loan Term
Monthly Payment
$1,621
Principal & Interest: $1,621
Property taxes (est.): $482
Insurance (est.): $197
Estimated Total Monthly
$2,299
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:32 AM, sunset 6:47 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • The front of the home carries the hot western afternoon instead of your living space.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

  • Sep 1, 2026Listed$295,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $295/sq ft; this home is listed at $212/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1114 Scheidel Court, Atlantic Beach, FL 32233Listed by UNITED REAL ESTATE GALLERYJul 2026$230,100$1773/21,3002110.1
696 Aquatic Drive, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$392,000$2953/21,32850.3
639 Aquatic Drive, Atlantic Beach, FL 32233Listed by MOMENTUM REALTYAug 2026$390,000$2943/21,328130.3
2239 Pine Place, Neptune Beach, FL 32266Listed by ONE SOTHEBY'S INTERNATIONAL REALTYJul 2026$425,000$2423/2.51,756750.3
2005 Florida Boulevard, Neptune Beach, FL 32266Listed by FLORIDA HOMES REALTY & MTG LLCJul 2026$380,000$3732/1.51,020140.3
1507 Spindrift Circle W, Neptune Beach, FL 32266Listed by CENTURY 21 LIGHTHOUSE REALTYJul 2026$382,000$3022/2.51,263330.3

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

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

School Information

This listingNo schools reported in the MLS
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address193 Oceangate Drive, Atlantic Beach, FL 32233
Area232-Atlantic Beach-South
SubdivisionOceangate
CityAtlantic Beach
CountyDuval
StateFL
Zip Code32233
Parcel Number1734140390
ZoningResidential

Amenities

AmenitiesMaintenance Grounds, Management - Off Site, Park, Playground
Community FeaturesSidewalks, Street Lights, Curbs
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 Market20
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 through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines