This home is in Royal Palms, Atlantic Beach — a home near Duncan U. Fletcher High School.
Active·Listed today·Royal Palms
469 Skate Road
Atlantic Beach, FL 32233
About this home
Royal Palms
Mid-century character meets relaxed coastal style in this beautifully maintained Atlantic Beach home, just a bike ride from the ocean. Large windows bring natural light into the open living, dining and kitchen area, creating an airy space equally suited to quiet mornings or casual entertaining. The renovated kitchen features quartz countertops, white Shaker cabinetry, brushed bronze hardware, stainless-steel appliances, floating shelves and a crisp gray-and-white backsplash. Both bathrooms are beautifully finished with ceramic tile and a serene, spa-like feel. A pantry and laundry room provide valuable storage. Outside, the large, fully fenced backyard offers room for a boat, pets, entertaining or a future fire pit or pool. The surfboard outdoor shower completes the home's resort-like atmosphere. With a paver driveway, mature landscaping, two storage sheds and no HOA, this is easygoing Atlantic Beach living--thoughtfully updated and minutes from the sand, parks, shops and dining
Cost to own
Mortgage calculator
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 (that applies to the reference bill above too).
Cost to own
Taxes & assessment
2025 property taxes (current owner): $8,544/yr
Estimated taxes if purchased at asking price: ~$13,300/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 1971)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,719 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 homeThis 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 9, 2026Active$680,000
- Sep 5, 2026Listed$680,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Royal Palms
Royal Palms is a neighborhood in Atlantic Beach, FL (Duval County), ZIP 32233.
View all Royal Palms homes for sale →Listing Courtesy of: ENGEL & VOLKERS FIRST COAST
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines