This home is in Atlantic Beach.
$925,0008 bd · 4 ba · 2,704 sq ft
Active·45 days on market
340 Dudley Street
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
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.***
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 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.
Closest beach parking
Atlantic Beach 18th Street lotabout 1 mi · 40 parking spaces
Closest park or preserve
Dutton Island Preserveabout 0.3 mi · 1.2 mi of trails
Closest public boat ramp
Oak Harbor Boat Ramp (Restricted to shallow draft boats)about 1 mi · Atlantic ICW (Duval County)
Closest kayak & paddleboard launch
Dutton Island Park & Preserve – North Kayak Launchabout 0.9 mi · Pablo Creek
Closest youth league fields
Donner Park & Gail Baker Community Centerabout 0.1 mi · Football, Soccer
Closest grocery store
Aldiabout 1 mi · 1209 Atlantic Boulevard, 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 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.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1250 Rose Street, Atlantic Beach, FL 32233Listed by LA ROSA REALTY NORTH FLORIDA, LLC. | Oct 2026 | $417,500 | $202 | 4/4 | 2,067 | 6 | 0.4 |
| 67 W 8th Street, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $570,000 | $278 | 4/3 | 2,048 | 40 | 0.6 |
| 631-633 Main Street, Atlantic Beach, FL 32233Listed by WATSON REALTY CORP | Aug 2025 | $659,900 | $289 | 4/0 | 2,280 | 17 | 0.7 |
| 300 Bay Street, Neptune Beach, FL 32266Listed by ERA ONETEAM REALTY | Mar 2026 | $1,130,000 | $440 | 4/2 | 2,570 | 293 | 2 |
| 301 Pine Street, Neptune Beach, FL 32266Listed by COMPASS FLORIDA LLC | Jul 2025 | $1,000,000 | $434 | 5/0 | 2,304 | 0 | 2 |
| 918 First Street, Neptune Beach, FL 32266Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Feb 2026 | $1,310,000 | $613 | 6/3 | 2,138 | 53 | 2.1 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
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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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
Is this home priced right?
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