320 10th St, Atlantic Beach, FL 32233 Property Records

Duval County property record for 320 10th St, Atlantic Beach, FL 32233

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,314 sqft · built 2020
Lot Size	0.214 acres (9,338 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Jan 2012)
Tax Bill	$28,394 (2025)
Deeds & Mortgages	Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`170032-0000`

Property Details

APN / Parcel Number

Primary APN	`170032-0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,314 sqft Living Area
Gross Area	4,906 sqft
1st Floor Area	2,274 sqft
Upper Floors Area	1,040 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	9,338 sqft (0.214 acres)
Lot Dimensions	130 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	552 sqft

Exterior Amenities

Pool Area	6 sqft
Porch	Finished/Open Porch
Porch Area	882 sqft
Deck Area	Deck Area
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	320 10TH ST
City	ATLANTIC BEACH
State	FL
Zip	32233-5530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ARS-2
Legal Description	5-69 16-2S-29E ATLANTIC BEACH W 20FT LOT 7,LOT 9 BLK 12
Legal Range	29E
Legal Township	02S
Legal Section	16
Legal Subdivision	ATLANTIC BEACH
Legal Block	12
Legal Lot Number	7,9
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE BEACHES
Census Block Group	1
Census Block	1007
Census Tract	13905

Owner

320 10th St is owned and occupied by two individuals who bought it in January 2012.

Source: Duval County records, as of September 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	320 10TH ST, ATLANTIC BEACH, FL 32233-5530
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2012 · Amount on File
Deed Sale	Jan 24, 2012 · Amount on File
Deed Document Number	201215050
Deed Book / Page	15830 / 622
Prior Transfer Date	Dec 14, 1993
Prior Transfer Doc	0000170256
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	320 10TH ST, ATLANTIC BEACH, FL 32233-5530
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0187732378
Date	Apr 30, 2019
Book Page	18773/2378
Instrument	2019098738

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	ARM
Amount	Amount on Record
Term	379 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Nov 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

Tax Assessment & Valuation

The 2025 property tax bill for 320 10th St was $28,394 with a homeowner's exemption, up 1.7% from the year before.

Source: Duval County assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	Florida
Municipality	Atlantic Beach City
County	Duval County
Unified School District	Duval County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,737,726 (+2.7%)	$2,054,767 (+1.74%) Land $933,402 Building $1,121,365
2025	$28,394.00 (+1.68%) Homeowner's exemption	$1,692,041	$2,019,580 Land $900,000 Building $1,119,580
2024	$27,924.00 (+2.54%)
2023	$27,233.00 (+7.21%) Homeowner's exemption	$1,596,462 (+3%)	$1,685,536 (+8.75%) Land $750,000 Building $935,536
2022	$25,401.00 Homeowner's exemption	$1,549,964 Land $732,000 Building $817,964	$1,549,964 Land $732,000 Building $817,964

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 320 10th St in Zone X, an area of minimal flood risk, though there have been 44 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective June 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 342 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	531 units insured incl. 189 condo units
Nearby Flood Claims	44 (1979–2017)
Claims Outside the SFHA	40 of 44
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 4 claims Hurricane Matthew, Oct 2016 · 3 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 320 10th St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ATLANTIC BEACH WATER SYSTEM serves 23,503 people · EPA ID FL2160200
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 525 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20