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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 Royal Palms, Atlantic Beach — a new construction home in Jacksonville.

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Active Under Contract

Active Under Contract·7 days on market·Royal Palms

885 Bonita Road

Atlantic Beach, FL 32233

$1,100,000$335/sqftEst. $6,045/mo mortgageMLS# 2169657
Open house Sat, Oct 24 · 11:00 am–1:00 pm
4
Beds
4
Baths
3,280
Sq Ft
2026
Built
2
Garage
No
Pool

8 more homes for sale in Royal Palms →Search Royal Palms on the map

FEMA Zone XNo HOA11,761 sqft lotSingle Family Residence2 storiesNew construction

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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

Royal Palms

BRING BACK OFFERS! Completely rebuilt and offering the appeal of nearly new construction, this exceptional four-bedroom, four-bathroom home delivers modern style, thoughtful design, and remarkable versatility. The spacious layout includes an oversized attached in-law suite, providing an ideal solution for multigenerational living, extended family, guests, or a private home office and flex space. Abundant windows ( new Pella windows) fill the interiors with natural light, creating a bright, welcoming atmosphere throughout. At the heart of the home, the custom gourmet kitchen features generous cabinetry and ample storage, making it equally suited to everyday living and effortless entertaining. Set on a large corner lot with room to add a pool, the property is enhanced by brand-new landscaping, fully fenced in yard, a paver driveway, and an oversized two-car garage with impressive 10-foot ceilings.

Next steps in Royal Palms

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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 · 7.32% · 30yr$6,045
Property taxesest. at asking price, Duval County$1,796
Estimated total, before insurance$7,841/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,711/yr · $226/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

$1,100,000
$220,000
Loan Term
Monthly Payment
$6,045
Principal & Interest: $6,045
Property taxes (est.): $1,796
Insurance (est.): $733
Estimated Total Monthly
$8,574
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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 2026)

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: ~1,778 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.

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

2025 property taxes (current owner): $2,711/yr

Estimated taxes if purchased at asking price: ~$21,600/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 23, 2026Active Under Contract$1,100,000
  • Oct 16, 2026Listed$1,100,000

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 $690/sq ft; this home is listed at $335/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
556 Timber Bridge Lane, Atlantic Beach, FL 32233Listed by REAL BROKER LLCOct 2026$2,050,000$5104/3.54,02370.6
370 8th Street, Atlantic Beach, FL 32233Listed by WATSON REALTY CORPSep 2026$2,370,000$7334/3.53,233780.7
397 Plaza, Atlantic Beach, FL 32233Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$2,085,000$6934/43,010790.7
1714 Atlantic Beach Drive, Atlantic Beach, FL 32233Listed by MOMENTUM REALTYOct 2026$1,915,000$5274/3.53,6351880.8
1271 E Coast Drive, Atlantic Beach, FL 32233Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSOct 2026$2,775,000$6905/4.54,020920.9
401 Oceanwood Drive, Neptune Beach, FL 32266Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSOct 2026$1,275,000$3925/43,25001

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

Price$1,100,000
Price / Sq Ft$335
Bedrooms4
Bathrooms4.00
Full Baths4
Square Footage3,280
Acres0.27 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleA-Frame, Multi Generational, Traditional
StatusActive Under Contract
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

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

Community Information

Address885 Bonita Road, Atlantic Beach, FL 32233
Area232-Atlantic Beach-South
SubdivisionRoyal Palms
CityAtlantic Beach
CountyDuval
StateFL
Zip Code32233
Lot Size11,761.2 sq ft
Parcel Number1711480000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Attached, Garage, Guest

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Guest Suite, In-Law Floorplan, Kitchen Island, Split Bedrooms
AppliancesDishwasher, Electric Oven, Tankless Water Heater
HeatingCentral, Electric
CoolingCentral Air, Electric, Zoned
FlooringStone, Tile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Exterior FeaturesCourtyard, Other
Lot DescriptionCorner Lot, Sprinklers In Front, Sprinklers In Rear
Patio / PorchFront Porch, Porch, Rear Porch
FencingBack Yard, Wood
RoofShingle
ConstructionBlock, Frame
Other StructuresGuest House
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedOctober 16, 2026
Days on Market7
Tax Amount$2,710.89
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS

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 Royal Palms

Royal Palms is a neighborhood in Atlantic Beach, FL (Duval County), ZIP 32233.

View all Royal Palms 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.

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20+ years · 500+ closings · NE Florida

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10/24/2026

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10/25/2026

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