Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$399,000

696 AQUATIC Drive, Atlantic Beach, FL 32233

Aquatic Gardens

Price
$399,000
Beds / Baths
3 / 2
Living area
1,328 sqft
Year built
1986
Type
Townhouse
Lot
0.1 ac
Garage
0
HOA
None
CDD
No
Flood zone
Unknown
County
Duval
Days on market
0

$300/sqft asking, vs a $259/sqft median across 66 closed sales in 32233 over the last 12 months — 16% above the area's closed prices. Condition and lot vary; that's what a showing is for.

There is something about life in Atlantic Beach that feels a little more relaxed. Bike rides to the beach, afternoons by the ocean, dinner at a favorite local spot and weekends spent exploring the shops, restaurants and laid back coastal scene that make this community such a special place to call home. This vibrant three bedroom, two bath end unit townhome offers an inviting opportunity to become part of it all. Inspired by the colorful homes of the Florida Keys and Bahamas, the cheerful exterior immediately sets the tone. Inside, the home has been thoughtfully updated with a fresh, casual style that feels right at home near the coast. Luxury vinyl plank flooring flows throughout the main level, where the living and dining areas connect easily to an updated kitchen featuring white cabinetry, butcher block countertops, stainless steel appliances, tile backsplash and a stainless hood vent. The flexible floor plan includes two bedrooms and a full bath downstairs, while the upstairs is dedicated to the primary suite with a walk in closet and private bath. All three bedrooms have recently been painted a fresh white, and new carpet was installed in the upstairs primary bedroom and on the stairs in August 2026. One of the home's best surprises is outside. As an end unit, it enjoys a large, fully fenced backyard with plenty of room to create your own outdoor retreat, whether that means grilling with friends, letting the dogs run, gardening or simply relaxing after a day at the beach. Important improvements over the past several years include cementitious siding, newer windows and sliding glass door, updated bathroom vanities, newer fencing and fresh exterior trim and coquina paint. An oversized two car driveway provides ample off street parking, and with no HOA, there are no monthly association fees. Conveniently located just off Atlantic Boulevard between Penman and Mayport Road, this home puts you close to the beach and everything that makes Atlantic Beach such a sought after place to call home. An easygoing coastal lifestyle is waiting just outside your door.

What to check on this one

  • Verify roof age and get 4-point inspection quote for 1986 townhouse
  • Confirm flood zone designation and obtain elevation certificate if needed
  • Review HOA/condo documents, reserve study, and any pending assessments
  • Request documentation of all renovations completed and permits pulled
  • Inspect plumbing type—townhouse built 1986 may have polybutylene or cast-iron lines

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

Principal & interest$2,070/mo
Property tax (1.1% eff., Duval Co.)$366/mo
Homeowners insurance (est.)$292/mo
All-in monthly (est.)$2,728/mo

Loan $319,200 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 BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY. Data via realMLS (Northeast Florida MLS), updated Sep 4, 2026, 10:07 PM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.