$499,900
109 PINE Street, Atlantic Beach, FL 32233, Atlantic Beach, FL 32233
Saltair
- Price
- $499,900
- Beds / Baths
- 2 / 2
- Living area
- 1,082 sqft
- Year built
- 1983
- Type
- Townhouse
- Lot
- 0.04 ac
- Garage
- 1
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Duval
- Days on market
- 18
$462/sqft asking, vs a $259/sqft median across 64 closed sales in 32233 over the last 12 months — 78% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Amazing Location with this Atlantic Beach Townhome being 4 blocks from Ocean and walkable to all Atlantic Beach Towncenter has to offer! One of a kind spiral staircase greets you upon entry into living area with cozy brick fireplace. Recent renovations include New HVAC 2021, water heater 2018, New Hardiboard lap and shaker shingle accent siding 2020, New windows 2020, New Kitchen with New Cabinetry, solid surface counters in 2022 with Stainless Steel Appliances that stay with home, downstairs 1/2 bath renovated in 2022. Eat in Kitchen area along with garage entry off kitchen. 2 large bedrooms on 2nd floor with Master Bedroom having new French doors that leads to private roof top patio. Jack and Jill Bath has skylight letting in natural light to the space. Ample parking with 2 driveways to accommodate guest parking along with attached garage space.Minimal yard for maintenance to allow for living the Best Beach Lifestyle.
What to check on this one
- Verify flood zone designation with FEMA flood map—Atlantic Beach coastal exposure requires clarity
- Request roof inspection report; 1983 build needs assessment despite recent siding work
- Confirm 4-point inspection and wind-mitigation inspection compliance for insurer requirements
- Obtain homeowner's insurance quote in writing before closing—coastal location, age factor
- Review all renovation permits and final inspections for 2020–2022 work (HVAC, kitchen, siding, windows)
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $399,920 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of NEFLA NETWORK REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 16, 2026, 5:11 PM.
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