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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 Coastal Oaks at Atlantic Beach, Jacksonville — a home near Duncan U. Fletcher High School.

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Active·2 days on market·Coastal Oaks at Atlantic Beach

2238 Sand Dune Court

Jacksonville, FL 32233

$500,000$355/sqftEst. $2,737/moMLS# 2165942
3
Beds
2
Baths
1,410
Sq Ft
2017
Built
2
Garage
No
Pool

All Coastal Oaks at Atlantic Beach homes for sale →Search Coastal Oaks at Atlantic Beach on the map

FEMA Zone XHOA $62/mo6,534 sqft lotSingle Family Residence1 story

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About this home

Coastal Oaks at Atlantic Beach

Beautiful 3BR/2BA home in sought-after Coastal Oaks at Atlantic Beach! Built in 2017, this inviting single-story residence offers 1,410 square feet of comfortable, easy living with an open and functional floor plan designed for both relaxing and entertaining. Enjoy spacious living areas, central cooling, an attached garage, and a manageable homesite that lets you spend less time on upkeep and more time enjoying the coastal lifestyle. Ideally located just minutes from Atlantic Beach, local shopping, dining, parks, and convenient Jacksonville commuter routes, this home puts you close to everything you love. Don't miss your chance to make this Coastal Oaks gem your own--schedule your private showing today!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.28% · 30yr$2,737
Property taxesest. at asking price, Duval County$816
HOAbilled annually$62
Estimated total, before insurance$3,615/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,000/yr · $333/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$500,000
$100,000
Loan Term
Monthly Payment
$2,737
Principal & Interest: $2,737
Property taxes (est.): $816
Insurance (est.): $333
Estimated Total Monthly
$3,887
*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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.

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: Shingle — year not disclosed (home built 2017)

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

Solar potential: ~1,677 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 October 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.

Sun & Light

South-facing backyard — the year-round light lot

The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:21 AM, sunset 7:06 PM.

  • The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
  • A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
  • Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,000/yr

Estimated taxes if purchased at asking price: ~$9,800/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

  • Oct 2, 2026Active$500,000
  • Sep 22, 2026Listed$500,000

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

Features

Price$500,000
Price / Sq Ft$355
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,410
Acres0.15 acres
Year Built2017
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesNorth

School Information

ElementaryMayport
MiddleMayport

Community Information

Address2238 Sand Dune Court, Jacksonville, FL 32233
Area241-North Beach
SubdivisionCoastal Oaks at Atlantic Beach
CityJacksonville
CountyDuval
StateFL
Zip Code32233
Lot Size6,534 sq ft
Lot Dimensions60x143
Parcel Number1694100905
ZoningPUD

Amenities

UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
Green / EnergyWindows
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Pantry
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchAwning(s), Covered, Front Porch, Patio
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedOctober 2, 2026
Days on Market0
HOA Fees$745 / Annually
HOA FrequencyAnnually
Tax Amount$4,000
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MARK SPAIN REAL ESTATE

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.

The neighborhood

About Coastal Oaks at Atlantic Beach

Coastal Oaks at Atlantic Beach is a neighborhood in Atlantic Beach, FL (Duval County), ZIP 32233.

View all Coastal Oaks at Atlantic Beach homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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