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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

$925,0008 bd · 4 ba · 2,704 sq ft

Active·45 days on market

340 Dudley Street

Atlantic Beach, FL 32233

$925,000$342/sqftEst. $5,043/mo mortgageMLS# 2166740
8
Beds
4
Baths
2,704
Sq Ft
1968
Built
—
Garage
No
Pool
FEMA Zone XNo HOA5,227 sqft lotQuadruplex2 stories

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Atlantic Beach

Seller financing available for qualified buyers! Atlantic Beach quadruplex offered with attractive owner financing terms: 8% minimum down, 5.5% interest-only, 10-year term, and no prepayment penalty. Four identical 2BR/1BA units, gut renovated in 2021, with separately metered utilities. Each unit includes a refrigerator, stove, and washer/dryer. Units currently rent for $1,300/month each, providing solid in-place income from a recently renovated asset. Located in Atlantic Beach, one of Northeast Florida's most desirable coastal communities, close to the beach, dining, and shopping. A great fit for investors seeking low-maintenance cash flow or a buyer who wants to live in one unit and rent the others. The owner financing lets you acquire coastal income property without conventional bank qualification. Contact listing broker for financial information. Please do not disturb tenants. ***Photos from post 2021 renovation. Exterior and interior finishes remain the same.***

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$5,043
Property taxesest. at asking price, Duval County$1,514
Estimated total, before insurance$6,557/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,742/yr · $812/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

$925,000
$185,000
Loan Term
Monthly Payment
$5,043
Principal & Interest: $5,043
Property taxes (est.): $1,514
Insurance (est.): $617
Estimated Total Monthly
$7,174
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 1968)

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

Likely sewer · Public water (record)

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: ~1,663 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.

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, 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.

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

YearMarket valueTaxable valueChange
2026$554,320$554,320—

2025 property taxes (current owner): $9,742/yr

Estimated taxes if purchased at asking price: ~$18,200/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 3,601 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.

History

Price & status history

  • Sep 27, 2026Listed$925,000

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 $434/sq ft; this home is listed at $342/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1250 Rose Street, Atlantic Beach, FL 32233Listed by LA ROSA REALTY NORTH FLORIDA, LLC.Oct 2026$417,500$2024/42,06760.4
67 W 8th Street, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$570,000$2784/32,048400.6
631-633 Main Street, Atlantic Beach, FL 32233Listed by WATSON REALTY CORPAug 2025$659,900$2894/02,280170.7
300 Bay Street, Neptune Beach, FL 32266Listed by ERA ONETEAM REALTYMar 2026$1,130,000$4404/22,5702932
301 Pine Street, Neptune Beach, FL 32266Listed by COMPASS FLORIDA LLCJul 2025$1,000,000$4345/02,30402
918 First Street, Neptune Beach, FL 32266Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSFeb 2026$1,310,000$6136/32,138532.1

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$925,000
Price / Sq Ft$342
Bedrooms8
Bathrooms4.00
Full Baths4
Square Footage2,704
Acres0.12 acres
Year Built1968
TypeResidential Income
Sub-TypeQuadruplex
StatusActive
Has PoolNo
Is WaterfrontNo

School Information

ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address340 Dudley Street, Atlantic Beach, FL 32233
Area233-Atlantic Beach-West
SubdivisionLewis
CityAtlantic Beach
CountyDuval
StateFL
Zip Code32233
Lot Size5,227.2 sq ft
Parcel Number172347-0000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAssigned, Off Street

Interior

HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories2
LaundryIn Unit

Exterior

Lot DescriptionCleared, Dead End Street
RoofShingle

Additional Information

Date ListedSeptember 27, 2026
Days on Market45
Tax Amount$9,742.16
Tax Year2025
Listing TermsCash, Conventional, Owner May Carry
New ConstructionNo

Listing Courtesy of: MCADOO MULTIFAMILY ADVISORS LLC

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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