Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Selva Marina, Atlantic Beach — a home near Duncan U. Fletcher High School.

Photo 1 / 44
Active

Active·Listed today·Selva Marina

1904 N Sherry Drive

Atlantic Beach, FL 32233

$1,175,000$459/sqftEst. $6,432/moMLS# 2167433
3
Beds
2
Baths
2,560
Sq Ft
1981
Built
2
Garage
No
Pool

6 more homes for sale in Selva Marina →Search Selva Marina on the map

FEMA Zone XNo HOA14,375 sqft lotSingle Family Residence1 story

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) 333-8595 Text Krista

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

About this home

Selva Marina

Welcome to 1904 Sherry Drive North where mid-century charm meets effortless Beach side living. This thoughtfully designed 3 bedroom, 2 bathroom home offers a bright, open flow, with a private split bedroom floor plan. Two bedrooms and a full bath on one side and a serene primary suite on the other. Both bathrooms beautifully updated. The renovated kitchen is ready for everyday living and easy entertaining. Just down the street from Atlantic Beach Country Club and a short stroll to the sand, Enjoy the best of the beaches lifestyle with quiet cul-de-sac privacy. Framed by mature trees and set back from the bustle, with a 2-car garage and layout that feels both stylish and comfortable, this home captures a rare blend of character, convenience, and calm. Mid century meets modern in this stunning Atlantic Beach home. Don't miss the opportunity and book your 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$6,432
Property taxesest. at asking price, Duval County$1,919
Estimated total, before insurance$8,350/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,584/yr · $799/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

$1,175,000
$235,000
Loan Term
Monthly Payment
$6,432
Principal & Interest: $6,432
Property taxes (est.): $1,919
Insurance (est.): $783
Estimated Total Monthly
$9,134
*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 1981)

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: ~1,505 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $9,584/yr

Estimated taxes if purchased at asking price: ~$23,000/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 7, 2026Active$1,175,000
  • Sep 29, 2026Listed$1,175,000

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

Features

Price$1,175,000
Price / Sq Ft$459
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,560
Acres0.33 acres
Year Built1981
TypeResidential
Sub-TypeSingle Family Residence
StyleMid-Century Modern
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address1904 N Sherry Drive, Atlantic Beach, FL 32233
Area231-Atlantic Beach-North
SubdivisionSelva Marina
CityAtlantic Beach
CountyDuval
StateFL
Zip Code32233
Lot Size14,374.8 sq ft
Parcel Number1720200830

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Garage, Garage Door Opener, Off Street
ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesOther, Convection Oven, Dishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Washer, Wine Cooler
HeatingCentral
CoolingCentral Air
FlooringTile, Wood
FireplaceYes
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Exterior FeaturesOutdoor Shower
Lot DescriptionMany Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchPatio
FencingBack Yard, Privacy, Wood, Other
RoofShingle
ConstructionFrame, Stone, Wood Siding
Road SurfacePaved
Road FrontageCity Street

Additional Information

Date ListedOctober 7, 2026
Days on Market0
Tax Amount$9,584.13
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLUID REALTY, 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.

The neighborhood

About Selva Marina

Selva Marina is a neighborhood in Atlantic Beach, FL (Duval County), ZIP 32233.

View all Selva Marina homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Open Houses

10/7/2026

5:00 pm - 7:00 pm