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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.

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Active·Listed today

45 Donner Road C

Atlantic Beach, FL 32233

$599,000$339/sqftEst. $3,111/moMLS# 2164388
3
Beds
2
Baths
1,768
Sq Ft
2023
Built
1
Garage
No
Pool

About this home

Atlantic Beach

This stunning 2023 townhome offers modern finishes, thoughtful upgrades, and an oversized 1-car garage (320 sq.ft.) just minutes from the beach! With 3-bedrooms + 2.5 bathrooms, this property is a great opportunity for a primary residence OR an investment opportunity as there's no HOA! Inside, you'll find several updates including: a new entertainment system, custom closets in the bedrooms and laundry room, Board & Batten detailing, new lighting/chandeliers, and more. The kitchen features abundant cabinetry, quartz countertops, and a custom backsplash, which flows seamlessly into the open-concept living area. The primary bedroom offers plenty of natural light, a large bathroom, & and walk-in closet with custom shelving. Outside, enjoy a fully-fenced backyard with plenty of space to relax or entertain. This home is just a bike or golf cart ride to the beach, Atlantic Beach Town Center, shopping, dining, and entertainment!

Cost to own

Mortgage calculator

$599,000
$119,800
Loan Term
Monthly Payment
$3,111
Principal & Interest: $3,111
Property taxes (est.): $978
Insurance (est.): $399
Estimated Total Monthly
$4,489
*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$3,111
Property taxesest. at asking price, Duval County$978
Estimated total, before insurance$4,089/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,422/yr · $618/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): $7,422/yr

Estimated taxes if purchased at asking price: ~$11,700/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.

History

Price & status history

  • Sep 11, 2026Listed$599,000

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

Features

Price$599,000
Price / Sq Ft$339
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,768
Year Built2023
TypeResidential
Sub-TypeTownhouse
Property ConditionUpdated/Remodeled
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address45 Donner Road C, Atlantic Beach, FL 32233
Area231-Atlantic Beach-North
SubdivisionAtlantic Beach
CityAtlantic Beach
CountyDuval
StateFL
Zip Code32233
Parcel Number1720670020

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Open Floorplan, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Electric Cooktop, Electric Oven, Electric Range, Freezer, Microwave, Refrigerator, Tankless Water Heater
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories2
LevelsTwo
LaundryIn Unit
SecuritySmoke Detector(s)

Exterior

Patio / PorchCovered, Patio
FencingFenced, Back Yard

Additional Information

Date ListedSeptember 11, 2026
Days on Market0
Tax Amount$7,421.66
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KST GROUP LLC

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

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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