This home is in Atlantic Beach.
Active Under Contract·9 days on market
1370 Camelia 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
Welcome to 1370 Camelia St, nestled in the heart of Atlantic Beach! This beautifully updated 3-bedroom, 2-bathroom home offers the perfect blend of modern comfort and coastal charm. Enjoy the inviting open-concept kitchen and living room, creating a bright, welcoming space ideal for entertaining and everyday living. Conveniently located just a short distance from the beach, local coffee shops, restaurants, and popular breweries, this home puts you close to everything that makes Atlantic Beach so special. Whether you're enjoying a morning coffee, exploring the local dining scene, or spending a day by the ocean, this home offers the perfect opportunity to embrace the relaxed coastal lifestyle!
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: Shingle — year not disclosed (home built 2016)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,079 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs 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.
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 2 mi · 40 parking spaces
Closest park or preserve
Dutton Island Preserveabout 0.4 mi · 1.2 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
Tide Views Preserve Canoe Landing (Long Portage!)about 0.6 mi · Pablo Creek
Closest youth league fields
Donner Park & Gail Baker Community Centerabout 0.5 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 |
|---|---|---|---|
| 2025 | $361,562 | $191,283 | — |
| 2024 | $344,042 | $185,185 | — |
| 2023 | $330,276 | $178,335 | — |
| 2022 | $279,249 | $171,685 | — |
| 2021 | $226,404 | $165,229 | — |
| 2020 | $219,678 | $162,258 | — |
2025 property taxes (current owner): $3,453/yr
Estimated taxes if purchased at asking price: ~$9,100/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 (2025), NEFMLS.
History
Price & status history
- Oct 21, 2026Active Under Contract$465,000
- Oct 15, 2026Listed$465,000
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 $332/sq ft; this home is listed at $336/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1455 Begonia Street, Atlantic Beach, FL 32233Listed by 1 REALTY CORP | Sep 2026 | $242,000 | $230 | 2/1 | 1,050 | 32 | 0.1 |
| 1145 Stocks Street, Atlantic Beach, FL 32233Listed by WHOLESALE REALTY LLC | Sep 2026 | $415,000 | $379 | 3/2 | 1,096 | 13 | 0.1 |
| 1065 Hibiscus Street, Atlantic Beach, FL 32233Listed by FLUID REALTY, LLC. | Oct 2026 | $360,000 | $315 | 3/2 | 1,144 | 1 | 0.2 |
| 410 Main Street, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2026 | $371,500 | $332 | 3/2 | 1,119 | 4 | 0.4 |
| 43 Forrestal Circle N, Atlantic Beach, FL 32233Listed by SELLSTATE JAX REALTY | Aug 2026 | $350,000 | $258 | 2/1.5 | 1,355 | 123 | 0.6 |
| 451 Sargo Road, Atlantic Beach, FL 32233Listed by MOMENTUM REALTY | Oct 2026 | $575,000 | $428 | 3/2 | 1,344 | 134 | 0.7 |
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: 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.
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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines