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Active

Active·3 days on market

696 Aquatic Drive

Atlantic Beach, FL 32233

$399,000$300/sqftEst. $2,062/moMLS# 2163476

Beds

Baths

1,328

Sq Ft

1986

Built

—

Garage

Pool

About this home

Atlantic Beach

There is something about life in Atlantic Beach that feels a little more relaxed. Bike rides to the beach, afternoons by the ocean, dinner at a favorite local spot and weekends spent exploring the shops, restaurants and laid back coastal scene that make this community such a special place to call home. This vibrant three bedroom, two bath end unit townhome offers an inviting opportunity to become part of it all. Inspired by the colorful homes of the Florida Keys and Bahamas, the cheerful exterior immediately sets the tone. Inside, the home has been thoughtfully updated with a fresh, casual style that feels right at home near the coast. Luxury vinyl plank flooring flows throughout the main level, where the living and dining areas connect easily to an updated kitchen featuring white cabinetry, butcher block countertops, stainless steel appliances, tile backsplash and a stainless hood vent.

Cost to own

Mortgage calculator

Home Price

$399,000

Down Payment: 20%

$79,800

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,062

Principal & Interest: $2,062

Property taxes (est.): $652

Insurance (est.): $266

Estimated Total Monthly

$2,979

*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$2,062

Property taxesest. at asking price, Duval County$652

Estimated total, before insurance$2,713/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.

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.

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 1986)

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

Likely sewer

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: ~1,744 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 4, 2026Listed$399,000

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

Features

Price$399,000

Price / Sq Ft$300

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,328

Acres0.10 acres

Year Built1986

TypeResidential

Sub-TypeTownhouse

StyleVilla

StatusActive

Has PoolNo

Is WaterfrontNo

Direction FacesWest

Community Information

Address696 Aquatic Drive, Atlantic Beach, FL 32233

Area232-Atlantic Beach-South

SubdivisionAquatic Gardens

CityAtlantic Beach

CountyDuval

StateFL

Zip Code32233

Lot Size4,356 sq ft

Parcel Number1718185232

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingOff Street

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Range, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

Exterior

FencingBack Yard

RoofShingle

ConstructionFiber Cement

Road SurfaceAsphalt

Additional Information

Date ListedSeptember 4, 2026

Days on Market3

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

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

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