This home is in Atlantic Beach — a home near Duncan U. Fletcher High School.
Active·33 days on market
199 Main Street
Atlantic Beach, FL 32233
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Atlantic Beach
Priced to sell, motivated seller! Enjoy the relaxed Atlantic Beach lifestyle just minutes from the sand! This well-loved home has been cared for by the same owner for 30 years and is conveniently located near Beaches Town Center, Dutton Island Preserve, Tide Views Preserve, parks, trails, and sought-after schools. Golf cart or bike to the ocean, and enjoy a school bus stop on the same street, per seller. Updates include a 2017 roof, 2014 HVAC, 2025 water heater, LVP flooring, a new walk-in shower in the guest bath, and fresh exterior paint completed in August 2026. The third bedroom is currently used as a packing room, and a small outdoor shed provides extra storage. Situated on a corner lot with NO HOA, this home offers plenty of potential to add your own style and enjoy laid-back Florida living!
Next steps in Atlantic Beach
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 — 2017 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Likely sewer · Public water (record)
County records indicate this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,604 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 homeAs 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 7, 2026Active$325,000
- Aug 30, 2026Listed$325,000
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 $332/sq ft; this home is listed at $317/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 410 Main Street, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2026 | $371,500 | $332 | 3/2 | 1,119 | 4 | 0.2 |
| 1145 Stocks Street, Atlantic Beach, FL 32233Listed by WHOLESALE REALTY LLC | Sep 2026 | $415,000 | $379 | 3/2 | 1,096 | 13 | 0.5 |
| 1505 W Spindrift Circle, Neptune Beach, FL 32266Listed by EAST COAST REALTY | Jun 2026 | $397,000 | $306 | 2/2.5 | 1,296 | 156 | 0.5 |
| 1109 Hibiscus Street, Atlantic Beach, FL 32233Listed by HOVER GIRL PROPERTIES | Jun 2026 | $350,000 | $272 | 2/2 | 1,287 | 66 | 0.5 |
| 1455 Begonia Street, Atlantic Beach, FL 32233Listed by 1 REALTY CORP | Sep 2026 | $242,000 | $230 | 2/1 | 1,050 | 32 | 0.6 |
| 317 Penman Road, Neptune Beach, FL 32266Listed by ANCHOR REALTY JAX | Jul 2026 | $565,000 | $435 | 4/3 | 1,300 | 28 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: KELLER WILLIAMS FIRST COAST REALTY
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.
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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 home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines