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

1960 Beach Avenue

Atlantic Beach, FL 32233

$3,500,000$872/sqftEst. $18,086/moMLS# 2163282

Beds

Baths

4,012

Sq Ft

2005

Built

Garage

Yes

Pool

About this home

Atlantic Beach

Experience coastal living at it's finest in this stunning 4 bedroom, 3 bathroom home offering 4,012 beautifully updated living space. From the moment you step inside you'll experience the warmth and elegance of wood floors through out, soaring ceilings and the details of shiplap. This home offers 2 separate living areas and 2 private balconies, perfect for morning coffee and beautiful sunrises.Open concept floor plan with custom kitchen cabinets, butcher block counter tops and stainless steel appliances, looks over the living room with custom fireplace, with ocean views and large balcony. Owners added 432 sq feet of air conditioned space, perfect for a home gym or media room. The top floor is the primary suite with sitting area, elegant bathroom, walk in closet, with an ocean view balcony. This is a rare opportunity to own a truly exceptional coastal property. Key details include roof 3 years old, 3 A/C's and mini split 3 years old. Please see document tab for complete list.

Cost to own

Mortgage calculator

Home Price

$3,500,000

Down Payment: 20%

$700,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$18,086

Principal & Interest: $18,086

Property taxes (est.): $5,715

Insurance (est.): $2,333

Estimated Total Monthly

$26,135

*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$18,086

Property taxesest. at asking price, Duval County$5,715

Estimated total, before insurance$23,801/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$31,235/yr · $2,603/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): $31,235/yr

Estimated taxes if purchased at asking price: ~$68,600/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.

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 2005)

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

Solar potential: ~1,799 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

Sep 3, 2026Listed$3,500,000

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

Features

Price$3,500,000

Price / Sq Ft$872

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage4,012

Acres0.11 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Salt Water

Is WaterfrontNo

Community Information

Address1960 Beach Avenue, Atlantic Beach, FL 32233

Area231-Atlantic Beach-North

SubdivisionSection Land

CityAtlantic Beach

CountyDuval

StateFL

Zip Code32233

Lot Size4,791.6 sq ft

Lot Dimensions50 X 100

Parcel Number1695250050

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewOcean

Interior

Interior FeaturesBreakfast Bar, Central Vacuum, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Range, Gas Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingElectric, Heat Pump

CoolingCentral Air, Electric, Multi Units

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories3

LevelsThree Or More

LaundryElectric Dryer Hookup, Washer Hookup