This home is in Atlantic Beach.
$1,750,0003 bd · 3.5 ba · 2,290 sq ft
Active·49 days on market
2323 Seminole Road
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
Steps to the Beach • Ocean Views • Elevated Coastal Living. This is more than a beachside residence--it is an opportunity to embrace an exceptional coastal lifestyle where ocean views, sophisticated design, and immediate beach access come together effortlessly. Just steps to the sand, this beautifully upgraded home offers the rare luxury of living every day like you're on an exclusive seaside retreat. Designed for both relaxed coastal living and elegant entertaining, the home's inviting spaces flow seamlessly from indoors to out, creating the perfect setting for sunset cocktails, intimate dinner parties, and unforgettable gatherings with the Atlantic Ocean as your backdrop. Whether spending the day on the beach or hosting guests at home, every detail has been thoughtfully curated to enhance the coastal experience.
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 (that applies to the reference bill above too).
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: material not specified — year not disclosed (home built 1981)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely sewer · FL0038776 - City of Atlantic Beach GIS sewer features · Public water (record)
County records indicate this parcel on central sewer served by FL0038776 - City of Atlantic Beach GIS sewer features — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,763 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach access
20th Stabout 0.4 mi · 4 parking spaces
Closest park or preserve
Kathryn Abbey Hanna Parkabout 1 mi · 12.7 mi of trails
Closest public boat ramp
Oak Harbor Boat Ramp (Restricted to shallow draft boats)about 2 mi · Atlantic ICW (Duval County)
Closest kayak & paddleboard launch
Dutton Island Park & Preserve – North Kayak Launchabout 2 mi · Pablo Creek
Closest youth league fields
Donner Park & Gail Baker Community Centerabout 2 mi · Football, Soccer
Closest grocery store
Publixabout 2 mi · 580 Atlantic Blvd, Neptune Beach
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $10,008/yr
Estimated taxes if purchased at asking price: ~$34,300/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.
History
Price & status history
- Sep 12, 2026Listed$1,750,000
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 $381/sq ft; this home is listed at $764/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2325 Seminole Road, Atlantic Beach, FL 32233Listed by ERA ONETEAM REALTY | Aug 2025 | $1,100,000 | $503 | 4/3.5 | 2,187 | 77 | 0 |
| 2327 Seminole Road, Atlantic Beach, FL 32233Listed by COMPASS FLORIDA LLC | Jun 2025 | $1,000,000 | $454 | 4/3.5 | 2,202 | 140 | 0 |
| 2233 Seminole Road 10, Atlantic Beach, FL 32233Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Sep 2025 | $695,000 | $355 | 3/2.5 | 1,960 | 16 | 0.2 |
| 2133 Seminole Road 4, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Dec 2025 | $610,000 | $370 | 3/2.5 | 1,650 | 131 | 0.3 |
| 2233 Seminole Road 9, Atlantic Beach, FL 32233Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | May 2025 | $725,000 | $370 | 3/2.5 | 1,960 | 12 | 0.3 |
| 2058 Beach Avenue, Atlantic Beach, FL 32233Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Dec 2025 | $868,000 | $381 | 3/2.5 | 2,280 | 121 | 0.4 |
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
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK 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
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines