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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 Atlantic Beach — a home near Duncan U. Fletcher High School.

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Active Under Contract

Active Under Contract·1 day on market

2221 Laughing Gull Circle

Atlantic Beach, FL 32233

$1,850,000$602/sqftEst. $10,167/mo mortgageMLS# 2170839
5
Beds
3
Baths
3,071
Sq Ft
1990
Built
2
Garage
Yes
Pool
FEMA Zone XHOA $102/mo0.51 acresSingle Family Residence2 stories

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About this home

Atlantic Beach

Exceptional Coastal Living in Prestigious Oceanwalk! Discover this impressive 5-bedroom, 3-bath pool home offering approximately 3,071 square feet of living space on a spacious half-acre lot in sought-after Atlantic Beach. Designed for comfort and entertaining, this residence features generous living areas and a private backyard retreat with a sparkling swimming pool or utilize the Community pool. Enjoy the added luxury of private beach access, allowing you to experience the beauty of Atlantic Beach just moments from home. Nestled within the desirable Oceanwalk community, this property offers a wonderful combination of privacy, coastal charm, and convenience to local dining, shopping, and entertainment. Experience the exclusive Oceanwalk lifestyle and make this coastal retreat your own!

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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$10,167
Property taxesest. at asking price, Duval County$3,021
HOAbilled annually$102
Estimated total, before insurance$13,289/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,873/yr · $573/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

$1,850,000
$370,000
Loan Term
Monthly Payment
$10,167
Principal & Interest: $10,167
Property taxes (est.): $3,021
Insurance (est.): $1,233
Estimated Total Monthly
$14,421
*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 1990)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,780 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.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard and pool on the east side. Today at this address: sunrise 7:36 AM, sunset 6:43 PM.

  • A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • The front of the home carries the hot western afternoon instead of your living space.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $6,873/yr

Estimated taxes if purchased at asking price: ~$36,200/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 26, 2026Active Under Contract$1,850,000
  • Oct 25, 2026Listed$1,850,000

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 $554/sq ft; this home is listed at $602/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2341 Fiddlers Lane, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$2,499,000$6675/3.53,74760.2
2313 Beachcomber Trail, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$2,600,000$7005/43,71580.2
2028 Selva Madera Court, Atlantic Beach, FL 32233Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$1,075,000$4433/2.52,427130.2
1978 Brista De Mar Circle, Atlantic Beach, FL 32233Listed by HOVER GIRL PROPERTIESOct 2026$1,225,000$3644/33,364630.3
2009 Vela Norte Circle, Atlantic Beach, FL 32233Listed by COMPASS FLORIDA LLCOct 2026$1,575,000$5544/3.52,84420.3
2334 Beachcomber Trail, Atlantic Beach, FL 32233Listed by COMPASS FLORIDA LLCJun 2026$1,100,000$4783/22,30010.3

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$1,850,000
Price / Sq Ft$602
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage3,071
Acres0.51 acres
Year Built1990
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
StatusActive Under Contract
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Salt Water, Screen Enclosure, Waterfall
Is WaterfrontNo
Direction FacesWest

School Information

Community Information

Address2221 Laughing Gull Circle, Atlantic Beach, FL 32233
Area231-Atlantic Beach-North
SubdivisionOceanwalk
CityAtlantic Beach
CountyDuval
StateFL
Zip Code32233
Lot Size22,215.6 sq ft
Parcel Number1694630016
ZoningResidential

Amenities

AmenitiesPool, Beach Access, Management - Off Site
Community FeaturesSidewalks, Street Lights
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Pantry, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Freezer, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric, Multi Units
FlooringCarpet, Tile
FireplaceYes
Fireplace FeaturesGas
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Sink, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesOutdoor Shower
Patio / PorchCovered, Deck, Patio, Screened
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedOctober 25, 2026
Days on Market1
HOA Fees$1,218 / Annually
HOA FrequencyAnnually
HOA NameOceanwalk
Tax Amount$6,872.57
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WEICHERT REALTORS COASTAL CITY

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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