This home is in Atlantic Beach — a pool home in Jacksonville.
Active·Listed today
354 11th 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
Imagine waking up just three blocks from the Atlantic Ocean, where salt air, coastal breezes, and the laid-back charm of Atlantic Beach become part of your everyday life. Tucked along coveted 11th Street, this brand-new custom home offers 4,807 square feet, 5 bedrooms, and 4.5 bathrooms. This remarkable residence pairs striking architecture with refined finishes, exceptional craftsmanship, and thoughtfully designed spaces made for living, entertaining and creating lasting memories. At the heart of the home, the chef's kitchen impresses with a 40-inch double oven, eight-burner range, high-capacity vent, oversized refrigerator and freezer, and an expansive island with a farmhouse sink, generous storage, and bar seating. Custom cabinetry with pullout drawers and illuminated upper cabinets adds beauty and convenience. An extensive butler's pantry features custom storage and a second refrigerator, while a built-in 80-bottle wine cooler and living room wet bar with a beverage refrigerator
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 2025)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,643 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 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 access
11th Stabout 0.3 mi · 5 parking spaces
Closest park or preserve
Dutton Island Preserve10 min drive · 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 2 mi · Pablo Creek
Closest youth league fields
Jack Russell Park4 min drive · Baseball, Soccer
Closest grocery store
Publix7 min drive · 580 Atlantic Blvd, 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 | $987,416 | $987,416 | — |
| 2025 | $929,657 | $899,104 | — |
| 2024 | $1,027,865 | $1,027,865 | — |
| 2024 | $817,368 | $817,368 | — |
| 2023 | $1,018,308 | $697,863 | — |
| 2023 | $807,023 | $807,023 | — |
| 2022 | $970,398 | $634,421 | — |
| 2022 | $769,298 | $136,568 | — |
| 2021 | $579,659 | $576,746 | — |
| 2021 | $628,822 | $131,134 | — |
| 2020 | $568,902 | $524,315 | — |
| 2020 | $624,126 | $128,634 | — |
2025 property taxes (current owner): $15,659/yr
Estimated taxes if purchased at asking price: ~$77,400/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 23, 2026Listed$3,950,000
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 $763/sq ft; this home is listed at $822/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 335 10th Street, Atlantic Beach, FL 32233Listed by COMPASS FLORIDA LLC | Mar 2026 | $2,900,000 | $763 | 5/4.5 | 3,799 | 0 | 0 |
| 340 9th Street, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jul 2026 | $3,125,000 | $845 | 5/5 | 3,700 | 36 | 0.1 |
| 357 12th Street, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jun 2026 | $4,050,000 | $775 | 4/5.5 | 5,223 | 81 | 0.1 |
| 334 11th Street, Atlantic Beach, FL 32233Listed by COMPASS FLORIDA LLC | Dec 2025 | $4,295,000 | $742 | 6/5.5 | 5,785 | 64 | 0.1 |
| 1271 E Coast Drive, Atlantic Beach, FL 32233Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Oct 2026 | $2,775,000 | $690 | 5/4.5 | 4,020 | 92 | 0.2 |
| 1313 E Coast Drive, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Nov 2025 | $2,820,000 | $472 | 6/4 | 5,972 | 146 | 0.2 |
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: 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.
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Krista Fracke
Broker Associate
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