397 PLAZA, Atlantic Beach, FL, 32233
About This Home
Welcome to ''The Plaza,'' a brand-new construction 2026 custom pool home in the heart of Atlantic Beach, where modern design meets elevated coastal living. This stunning residence offers the ultimate lifestyle, ideally situated within walking distance to the ocean, local parks, Atlantic Beach Elementary, and the vibrant shops and dining of the Beaches Town Center.Thoughtfully designed, this 4-bedroom, 4-bathroom home showcases wide-plank 8'' white oak hardwood flooring, shiplap-accented hallways, and bespoke cabinetry throughout. The gourmet kitchen is both functional and refined, featuring professional-grade Thermador appliances, sleek quartz countertops, and a custom walk-in pantry. Designed with energy efficiency and comfort in mind, the home features spray foam insulation throughout, including the walls, ceilings, and between floors--providing superior temperature control, sound reduction, and long-term cost savings. The exterior makes a striking impression with Nichiha Sierra Premium Shake siding, delivering rich texture and timeless coastal appeal. Expansive 12' PGT sliding glass doors create a seamless indoor-outdoor connection, opening to a covered lanai with a wood-burning fireplace--an inviting setting for year-round entertaining. Beyond, a private backyard oasis is underway, featuring a brand-new in-ground pool surrounded by lush tropical landscaping, designed to evoke a resort-style experience. Offered move-in ready, with pool and landscape completion anticipated by June 1st- this is a rare opportunity to secure a newly constructed luxury home in one of Atlantic Beach's most sought-after locations. *Seller financing available based on buyer's ability to repay loan. Terms and details available upon inquiry.
Getting Around
Somewhat Walkable
Very Limited Transit
Very BikeableSchools
Construction
Condition
- New construction: Yes
- Year built: 2026
Materials
- Roof: Shingle
- Construction materials: Fiber Cement
Type & Style
- Home type: SingleFamily
- Architectural style: Craftsman,Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Cooktop,Induction Cooktop,Refrigerator
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 4
Features
- Breakfast Bar,Breakfast Nook,Built-in Features,Eat-in Kitchen,Entrance Foyer,Guest Suite,His and Hers Closets,Kitchen Island,Open Floorplan,Primary Bathroom -Tub with Separate Shower,Split Bedrooms,Walk-In Closet(s)
- Flooring: Wood
- Number of fireplaces: 1
- Fireplace features: Wood Burning
- Fireplace: Yes
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total interior livable area: 3,010 sqft
Property
Details
- Parcel number: 1700260000
Features
- Stories: 2
- Pool features: In Ground,Fenced,Salt Water
- Patio & porch: Covered,Front Porch,Porch,Rear Porch,Terrace
- Exterior features: Outdoor Shower
- Fencing: Back Yard,Wood
Lot
- Lot size: 6,500 sqft
- Lot size dimensions: 50 x 130
Parking
- Total spaces: 2
- Parking features: Additional Parking,Attached,Garage,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Hurricane
- Heat Wave
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Duval County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $11,377 | $136,524 |
| Home Insurance * | $1,899 | $22,788 |
| Property Taxes | $1,406 | $16,872 |
| Electricity | $302 | $3,635 |
| Total | $14,984 | $179,808 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-16 | Listed for sale | $2,695,000 |
New Construction
View on Zillow