The Cloister

10 10TH ST 2

Atlantic Beach, FL 32233
For Sale $1,590,000
4 bd · 2 ba · 1,960 sqft · Built 1975
Bryce Spraggins — The HOA Collective
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The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of SAVVY AVENUE, LLC. (moe@remoe.com). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

About This Home

The Cloister's condominium in Atlantic Beach is a direct oceanfront residence. It is a seldom offered four bedroom home. Additional attributes are that it is an end unit on the second floor of the three-story condominium building. Included are two large contiguous garage units in addition to the exclusive security gate protected private parking. The enclosed porch is available for added living area, but is not included in the overall square footage stated. This end unit facilitates multiple windows for natural light and neighborhood views as opposed to a common wall with a neighbor. It exists with the original finish having the carpeting removed to provide a blank slate for a new remodel. The 4 bedroom floorplan has an opportunity to expand the master bath into the oversized laundry room. This is not the case with the typical 3 bedroom floor plans. The Cloister's is a small intimate three story development with private pool and gated access on a beach without the crowds.

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $55,650
$15,096/mo
Principal & interest$10,724
Property tax (est.)$1,889
Insurance (est.)$596
FHA MIP$703
HOA dues$1,183
CDD assessment$0
Cash to close: ~$55,650 down · MIP financed
VA
$0 down
$14,825/mo
Principal & interest$11,157
Property tax (est.)$1,889
Insurance (est.)$596
VA fee (financed)$0
HOA dues$1,183
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $318,000
$12,406/mo
Principal & interest$8,738
Property tax (est.)$1,889
Insurance (est.)$596
PMI$0
HOA dues$1,183
CDD assessment$0
Cash to close: ~$318,000 down

Rate: 7.320% (Freddie Mac 30-yr avg, as of Oct 22, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.74% effective millage, plus actual HOA. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeCondominium
Year built1975
Heated area1,960 sq ft
Lot size609 sq ft
SubdivisionTHE CLOISTER CONDOMINIUM
Parcel (RE#)170237-0016
Legal description16-2S-29E

Valuation · 2025

Value

Just / Market
$1,600,000
Assessed
$1,159,000
Taxable
$1,159,000
2025 Property Tax
$20,184
Homestead Exemption
No

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

HOA Dues
$1,183 / Monthly
CDD Assessment
—

HOA dues & CDD assessments are community-level (source: MLS). Confirm current amounts with the association or management.

History

Sale History

No recorded sale history is on file for this property.

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
JEA
💧 Water
City of Atlantic Beach Utilities
🚽 Sewer
City of Atlantic Beach Utilities

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Elementary (zoned)
Middle (zoned)
High (zoned)

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Public Records

Crime Reports Near 10 10TH ST 2

10
incident reports recorded by the Jacksonville Sheriff's Office within 1 mile of The Cloister, the 12 months ending July 31, 2026.

This is an area figure, not a figure about 10 10TH ST 2. The HOA Collective does not rate addresses or neighborhoods and publishes no safety score. Reports are made to law enforcement rather than proven, are recorded at the hundred block rather than the exact address, and a circle takes in streets and businesses that have nothing to do with this home. Source: Jacksonville Sheriff's Office open data, updated daily. Search this address yourself →

Bryce Spraggins, Jacksonville Realtor and licensed Florida real estate broker

List With Me

Selling in The Cloister? List with the Realtor built for your community.

I'm Bryce Spraggins, a Jacksonville REALTOR® and licensed Florida real estate broker — and The HOA Collective works The Cloister every day. We know your covenants, your comps, and what buyers ask about your neighborhood before they ever tour it.

Got it — thank you. I'll reach out shortly at the number you gave. If it's urgent, call or text 904-747-1HOA.
See the receipts — why homeowners list with us →

Our sister company

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On the Market

Homes for Sale in The Cloister

Other active MLS listings in The Cloister.

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Questions & Answers

Frequently Asked

What schools serve 10 10TH ST 2?
The zoned public schools for 10 10TH ST 2 in The Cloister are Atlantic Beach Elementary (elementary), Mayport MS (middle), Duncan Fletcher HS (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 10 10TH ST 2?
The most recent annual property tax for 10 10TH ST 2 is about $20,184 (2025 tax year). Any CDD assessment is billed in addition.
What is the HOA fee for 10 10TH ST 2?
Homes in The Cloister have an HOA fee of about $1,183 per month (based on recent MLS listings).
How big is 10 10TH ST 2?
10 10TH ST 2 is a 1,960 sq ft home built in 1975 in The Cloister, Duval County, FL.
What would the monthly payment be on 10 10TH ST 2?
At about a 7.32% 30-year rate, the estimated monthly payment for 10 10TH ST 2 is roughly $12,406 with a conventional loan (20% down), $15,096 with FHA (3.5% down), or $14,825 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the The Cloister HOA. Use the payment calculator on this page to adjust the numbers.
Is 10 10TH ST 2 in a safe area?
The HOA Collective does not rate addresses or neighborhoods as safe or unsafe and publishes no safety score. For the surrounding area, the Jacksonville Sheriff's Office recorded 10 incident reports within 1 mile of The Cloister, the community 10 10TH ST 2 sits in, during the 12 months ending July 31, 2026. Those are reports made to law enforcement rather than charges or convictions, they are recorded by hundred block rather than exact address, and the circle takes in streets and businesses unrelated to this home. The figure and its source are published at thehoacollective.com/communities/the-cloister/10-10th-st-2.

Property data is sourced from the Duval County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.