This home is in Neptune Beach.

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Active Under Contract

Active Under Contract·Listed today

636 Camellia Terrace Drive

Neptune Beach, FL 32266

$850,000$307/sqftEst. $4,524/moMLS# 2039779

Beds

Baths

2,767

Sq Ft

1981

Built

Garage

Pool

About this home

Neptune Beach

Welcome to this meticulously maintained high and dry home, perfect for entertaining and family living, built up 5ft with concrete block and has hardy board siding exterior for long term duration and stability. As you enter this home find a very large family room with enough room for large gatherings. The spacious eat-in kitchen is the heart of the home, ideal for entertaining and creating memories. Alongside the kitchen, is an office providing a quiet workspace.The home boasts four large bedrooms and three bathrooms, offering plenty of storage throughout. The second story features a large playroom,additional bedrooms,a Jack&Jill bathroom, and generous closets, all with stunning views of Hopkins Creek. This home is a blend of comfort, functionality, and natural beauty.The property includes an attached 2car garage and a back deck with serene marsh views, situated in a quiet neighborhood. This home also has a well for irrigation.HVAC 2021,Hot Water Heater2022.*Sellers agree to new roof.

Cost to own

Mortgage calculator

Home Price

$850,000

Down Payment: 20%

$170,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,320

Principal & Interest: $4,320

Est. Taxes & Insurance: $1,080

Estimated Total Monthly

$5,401

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$4,524

Property taxesest. at asking price, Duval County$1,388

Estimated total, before insurance$5,912/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

2023 property taxes (current owner): $4,964/yr

Estimated taxes if purchased at asking price: ~$16,700/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1981)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,554 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jul 16, 2026Listed$850,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$850,000

Price / Sq Ft$307

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,767

Acres0.29 acres

Year Built1981

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Pool FeaturesNone

Is WaterfrontYes

Direction FacesEast

Community Information

Address636 Camellia Terrace Drive, Neptune Beach, FL 32266

Area222-Neptune Beach-West

SubdivisionPenman Terrace

CityNeptune Beach

CountyDuval

StateFL

Zip Code32266

Lot Size12,632.4 sq ft

Lot Dimensions100x135

Parcel Number1780772018

Amenities

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener

ViewCreek/Stream, Water

Waterfront TypeCreek, Marsh

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Vaulted Ceiling(s)

AppliancesDishwasher, Electric Cooktop, Electric Water Heater, Freezer, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric, Zoned

FlooringWood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

SecuritySmoke Detector(s)