This home is in Neptune Beach.
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Sold·Closed Feb 24, 2025·2 days on market·Recent sales in Neptune Beach
1106 2nd Street
Neptune Beach, FL 32266
About this home
Neptune Beach
Welcome to this stunning home just steps from the ocean in Neptune Beach! Updated in 2019, this 2 bed / 2.5 bath plus office home features vaulted ceilings, LVP flooring, quartz counters, updated bathrooms, and gas appliances. Each bedroom has its own en-suite bathroom, with the master bathroom featuring a soaking tub, dual vanity, and glass enclosed shower. On the exterior you will find plenty of off-street parking, fenced backyard, and two spacious patios (upstairs and downstairs). The office space gives the new owner lots of options, and could easily be converted to a third bedroom. Enjoy the beach life, or stroll down and enjoy the shops, coffee shops and restaurants of Neptune Beach Town Center! Open house Saturday 1/25 from 10-1, and Sunday 1/26 from 1-4.
Next steps in Neptune Beach
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • 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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 1985)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,689 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 homeThis Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:25 AM, sunset 6:59 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $6,174/yr
Estimated taxes if purchased at asking price: ~$17,200/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.
History
Price & status history
- Jan 23, 2025Listed$879,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $711/sq ft; this home is listed at $550/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 602 1st Street, Neptune Beach, FL 32266Listed by NON MLS (realMLS) | Sep 2026 | $910,000 | $711 | 2/1.5 | 1,280 | 0 | 0.3 |
| 1901 1st Street 506, Jacksonville Beach, FL 32250Listed by WATSON REALTY CORP | Jul 2026 | $1,125,000 | $741 | 3/2 | 1,518 | 16 | 0.6 |
| 339 Ahern Street 4, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | May 2026 | $845,000 | $490 | 3/3 | 1,724 | 28 | 0.7 |
| 141 Poinsettia Street, Atlantic Beach, FL 32233Listed by THE CORDELL GROUP INC | Jul 2026 | $460,000 | $369 | 2/1.5 | 1,248 | 71 | 0.8 |
| 1412 1st Street N 102, Jacksonville Beach, FL 32250Listed by UNITED REAL ESTATE GALLERY | Jun 2026 | $669,000 | $446 | 3/2 | 1,500 | 84 | 0.9 |
| 701 Beach Avenue 201, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jul 2026 | $1,485,000 | $873 | 2/2 | 1,701 | 24 | 1.2 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MOMENTUM REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Feb 24, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines