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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

$1,895,0003 bd · 3 ba · 2,146 sq ft

Active·2 days on market

61 East Coast Drive

Atlantic Beach, FL 32233

$1,895,000$883/sqftEst. $10,332/mo mortgageMLS# 2172689
Open house Sat, Nov 14 · 10:00 am–3:00 pm
3
Beds
3
Baths
2,146
Sq Ft
1973
Built
2
Garage
No
Pool
FEMA Zone XNo HOA5,663 sqft lotSingle Family Residence2 stories

See it this week

Want to walk through this home this week?

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

LOCATION, LIFESTYLE AND FLEXIBILITY— STEPS TO THE BEACH; ONE-MINUTE WALK TO THE HEART OF ATLANTIC BEACH TOWN CENTER. This lovingly cared for and thoughtfully updated coastal home blends premium beach lifestyle with the convenience buyers dream about. Watch the sun rise in the morning and dine, shop and play within steps of your front door. The main home offers refined comfort and modern appeal, while the highly versatile first-floor creates exceptional possibilities for guests, multi-generational living, home office or extended-stay accommodations. Relax in your tranquil backyard with low maintenance artifical turf, mature landscaping and hot tub. MORE THAN A HOME, this is an opportunity to own a premium piece of Atlantic Beach where location truly elevates the lifestyle.

Next steps in Atlantic Beach

FollowNew Atlantic Beach homes the day they list, by email · free

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$10,332
Property taxesest. at asking price, Duval County$3,094
Estimated total, before insurance$13,426/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$21,687/yr · $1,807/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

$1,895,000
$379,000
Loan Term
Monthly Payment
$10,332
Principal & Interest: $10,332
Property taxes (est.): $3,094
Insurance (est.): $1,263
Estimated Total Monthly
$14,689
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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 1973)

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

Solar potential: ~1,752 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.

As of November 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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): $21,687/yr

Estimated taxes if purchased at asking price: ~$37,100/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, NEFMLS.

History

Price & status history

  • Nov 7, 2026Active$1,895,000
  • Nov 5, 2026Listed$1,895,000

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 $673/sq ft; this home is listed at $883/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
278 1st Street, Atlantic Beach, FL 32233Listed by KST GROUP LLCOct 2026$1,695,000$7233/2.52,346140
57 Sherry Drive, Atlantic Beach, FL 32233Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$1,380,000$6403/2.52,155220.2
515 3rd Street, Neptune Beach, FL 32266Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$1,450,000$8983/2.51,615860.4
314 9th Street, Atlantic Beach, FL 32233Listed by FLUID REALTY, LLC.Oct 2026$1,600,000$6733/2.52,378800.6
593 Cruiser Lane, Atlantic Beach, FL 32233Listed by EDGEWATER REALTY LLCOct 2026$760,000$4524/21,68000.6
707 Cedar Court, Neptune Beach, FL 32266Listed by WATSON REALTY CORPSep 2026$890,000$5174/21,72040.7

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$1,895,000
Price / Sq Ft$883
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage2,146
Acres0.13 acres
Year Built1973
TypeResidential
Sub-TypeSingle Family Residence
StyleCottage
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address61 East Coast Drive, Atlantic Beach, FL 32233
Area232-Atlantic Beach-South
SubdivisionAtlantic Beach Terr
CityAtlantic Beach
CountyDuval
StateFL
Zip Code32233
Lot Size5,662.8 sq ft
Lot Dimensions50x128
Parcel Number1725360000
ZoningSingle Family

Amenities

UtilitiesElectricity Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyHVAC, Thermostat
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Guest Suite, In-Law Floorplan, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Washer/Dryer Stacked
HeatingCentral, Electric
CoolingCentral Air, Electric, Split System
FlooringWood
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Garage, In Unit, Lower Level, Upper Level, Washer Hookup
Spa FeaturesAbove Ground

Exterior

Exterior FeaturesBalcony, Fire Pit, Impact Windows, Outdoor Shower
Patio / PorchDeck, Patio, Porch
FencingFenced, Back Yard
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedNovember 7, 2026
Days on Market2
Tax Amount$21,687.14
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ERA ONETEAM 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Open Houses

11/14/2026

10:00 am - 3:00 pm