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1004 Lucy Ln, Atlantic Beach, FL, 32233

2beds
1baths
644sqft
$28,000
$43price/sqft
$378/moest. monthly cost
$15,120/yrincome needed

About This Home

Looking for an affordable home with the opportunity to add your own style and updates? Bring your ideas, your vision, and create a special home! ● 2003 Clayton ● Singlewide, 644 SF ● 2 Bedrooms, 1 Bathroom ● $28,000 Price of Home | $891 Lot Rent ● Featuring a metal roof, cold HVAC, a large front deck, shed and a functional floorplan, this home is ready for its next chapter. | While the interior would benefit from cosmetic updates and the kitchen & bathroom is a candidate for a full remodel, the possibilities are easy to envision. This could be the perfect opportunity for a primary residence, vacation retreat, or investment property. | Live in the community *OR* purchase the home and relocate it to your own property. At 644 SqFt, this home could also make a fantastic guest house, second home, or potential ADU (buyer to verify zoning and permitting requirements). | Located just minutes from: Hanna Park, Atlantic Beach & Jacksonville Beaches, Mayport Naval Station, Shopping, dining & well-rated schools. | If you've been searching for an affordable home close to the coast, military base access, and the beach lifestyle Jacksonville is known for, this one is worth a look. ● Located in Oak of Atlantic Beach MHC, Jacksonville, FL (1004 Lucy Ln, Jacksonville, 32233). This is an all-ages community near Atlantic Beach, Mayport Naval Base, Hanna Park (where you can enjoy the beach, camping, trails, and so much more!), A1A, Fort Caroline, etc., and highly rated schools are just around the corner (elementary, middle and high school)! The community has a Playground, Swimming Pool, Recreation Area, and additional storage (bring your boat or RV!). Lot rent includes base lot rent, water/sewer use, trash, lawn mowing & trimming, property tax, and access to community amenities. ● Additional photos, and a walkthrough video available! Note: Select photos have been virtually staged or enhanced to help showcase the potential and vision for the home's spaces and outdoor living areas. ● Contact the listing brokerage for more information about the home, community/lot lease info, and buying options. Showings by appointment only.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
55
BikeBikeable

Schools

6/10
Mayport Elementary SchoolGrades PK-50.3 mi
7/10
Mayport Middle SchoolGrades 6-80.4 mi
5/10

Construction

Condition

  • Year built: 2003

Materials

  • Roof: Metal

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Refrigerator,Oven,Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Door features: Doorman
  • Flooring: Laminate,Linoleum
  • Finished area above ground: 0

Heating & Cooling

  • Heating features: Has Heating (Unspecified Type)
  • Cooling features: Central

Interior Area

  • Total structure area: 0
  • Total interior livable area: 644 sqft

Kitchen

  • Features: Open

Property

Details

  • On leased land: Yes
  • Lease amount: 891

Lot

  • Features: Near Bus

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Cold Wave
Hurricane
Heat Wave
Lightning
Tsunami

FEMA Declared Disasters in Duval County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $141$1,692
Home Insurance *$23$276
Property Taxes $17$204
Electricity $197$2,366
Total$378$4,536
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$12,960/yr
40% on housing$11,340/yr
45% on housing$10,080/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.1%
15.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.5%
2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$43This listing

vs Other Active Listings

Avg $/sqft

ZIP 32233$414
Duval County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 32233$364
Duval County$179

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-06-17Listed for sale$28,000
2015-12-10Listing removed$750
2015-11-14Price change$750
2015-11-09Listed for rent$735

For Sale by Agent

AgentLauren Altagracia
BrokerageValue Mobile Homes

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