This home is in Atlantic Beach — a home near Duncan U. Fletcher High School.
Active·Listed today
660 Main Street
Atlantic Beach, FL 32233
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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
Atlantic Beach
Enjoy coastal living in this updated 3 bedroom, 2 bath home at 660 Main Street! Vaulted ceilings, a cozy fireplace, built-in shelving, and wood look tile flooring create an inviting living space. The updated kitchen features quartz countertops, white cabinetry, a farmhouse sink, pot filler, wine fridge, and breakfast bar seating. A bay window adds character to the primary bedroom, while a soaking tub in the second bathroom offers the perfect place to unwind. Outside, enjoy a private backyard and an outdoor shower for rinsing off after beach days. The garage and rear storage closet provide plenty of room for beach gear and everyday essentials. Located near both the ocean and scenic marshes, with local parks, shopping, and dining nearby, this home makes it easy to enjoy the laid-back Atlantic Beach 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.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 1997)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,531 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 homeThis 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 Blvdabout 2 mi · 50 parking spaces
Closest park or preserve
Dutton Island Preserveabout 0.8 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 0.4 mi · Pablo Creek
Closest youth league fields
Donner Park & Gail Baker Community Centerabout 0.8 mi · Football, Soccer
Closest grocery store
Aldiabout 0.9 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
2025 property taxes (current owner): $2,858/yr
Estimated taxes if purchased at asking price: ~$7,800/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 22, 2026Listed$399,000
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 $320/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 410 Main Street, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2026 | $371,500 | $332 | 3/2 | 1,119 | 4 | 0.1 |
| 1065 Hibiscus Street, Atlantic Beach, FL 32233Listed by FLUID REALTY, LLC. | Oct 2026 | $360,000 | $315 | 3/2 | 1,144 | 1 | 0.2 |
| 1145 Stocks Street, Atlantic Beach, FL 32233Listed by WHOLESALE REALTY LLC | Sep 2026 | $415,000 | $379 | 3/2 | 1,096 | 13 | 0.3 |
| 1455 Begonia Street, Atlantic Beach, FL 32233Listed by 1 REALTY CORP | Sep 2026 | $242,000 | $230 | 2/1 | 1,050 | 32 | 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 | 0.4 |
| 451 Sargo Road, Atlantic Beach, FL 32233Listed by MOMENTUM REALTY | Oct 2026 | $575,000 | $428 | 3/2 | 1,344 | 134 | 0.6 |
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: ROUND TABLE REALTY
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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Your Local Realtor
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 home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines