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50 BEACH COTTAGE Lane, Atlantic Beach, FL, 32233

4beds
4baths
2,850sqft
$1,290,000
$453price/sqft
$8,702/moest. monthly cost
$348,080/yrincome needed

About This Home

This 3-story home is designed for those who want to enjoy life by the sea with a carefree, low maintenance lifestyle. A private elevator connects every level, making the entire home effortlessly accessible. The ground floor offers a guest suite with full bath and a walk-out paver patio surrounded by lush landscaping. Upstairs, the open living and dining space flows to a balcony with updated flooring and fan, while the designer kitchen features sueded marble countertops, gold hardware, and soft-close cabinetry. Off the kitchen is an additional full guest bathroom and bedroom. The top level hosts a serene primary suite with a Japanese soaking tub for the ultimate in-home spa experience, plus another bedroom and full bath. Multiple balconies invite treetop views and salty breezes. Set at the end of a quiet street, across from the pool and private beach gate, this home blends low maintenance living with a relaxed coastal vibe.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

7/10
Mayport Middle SchoolGrades 6-81.2 mi
5/10

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 2004

Type & Style

  • Home type: Condo
  • Architectural style: Contemporary
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Cooktop,Electric Oven,Electric Range,Electric Water Heater,Ice Maker,Microwave,Refrigerator,Washer,Washer/Dryer Stacked,Water Softener Owned
  • Laundry features: Electric Dryer Hookup,In Garage,In Unit,Lower Level,Upper Level

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Ceiling Fan(s),Elevator,Entrance Foyer,Guest Suite,Open Floorplan
  • Window features: Storm Shutters

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 2,850 sqft

Property

Details

  • Parcel number: 1697000140
  • Attached to another structure: Yes
  • Zoning description: Residential

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Covered,Patio
  • Exterior features: Balcony
  • Has view: Yes
  • View description: Pool

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Garage Door Opener,Shared Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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

  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hurricane
Heat Wave
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 $6,522$78,264
Home Insurance *$1,088$13,056
Property Taxes $806$9,672
Electricity $286$3,441
Total$8,702$104,424
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$298,354/yr
40% on housing$261,060/yr
45% on housing$232,053/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

$453This listing

vs Other Active Listings

Avg $/sqft

ZIP 32233$404
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)

Price History

DateEventPrice
2026-03-07Price change$1,299,000
2026-02-18Price change$1,325,000
2025-09-19Listed for sale$1,399,000
2025-08-12Listing removed$1,350,000
2025-05-23Price change$1,350,000
2025-03-21Price change$1,450,000
2025-02-08Listed for sale$1,499,000
2025-01-05Listing removed$1,525,000
2024-11-14Price change$1,525,000
2024-09-06Price change$1,570,000
2024-08-04Price change$1,599,999
2024-07-14Price change$1,650,000
2024-06-07Listed for sale$1,750,000
2018-03-06Sold$595,000
2018-02-24Pending sale$635,000
2018-02-08Listed for sale$635,000
2009-06-30Listing removed$749,900
2008-09-29Price change$749,900
2008-07-10Price change$710,000
2008-05-25Listed for sale$749,000

For Sale by Agent

AgentKATHERINE DAVIDSON
BrokerageBERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

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