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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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Sold

Sold·Closed Apr 1, 2025·25 days on market·Recent sales in Neptune Beach

602 1st Street

Neptune Beach, FL 32266

$900,000sold priceListed at $929,000 · 96.9% of asking$703/sqftMLS# 2068923
2
Beds
1.5
Baths
1,280
Sq Ft
1984
Built
—
Garage
No
Pool
No HOA2,614 sqft lotTownhouse2 stories

About this home

Neptune Beach

Modern minimal architectural home on 1st St in Neptune Beach! This stunning townhome, currently owned by local interior designers, was fully renovated in 2023. Inspired from modern European design, this home features paneled Italian appliances, imported stone from Spain/Turkey, Moroccan plaster walls, and Japanese designed light fixtures. The downstairs features an open concept kitchen, dining, and living, plus a half bath and walk in pantry. Upstairs the bedrooms feature vaulted ceilings, walk in closets, full bath, laundry, and additional storage. Enjoy the sights and sounds of 1st St from the freshly painted front deck, cook a meal from the raised garden beds on your outdoor kitchen, or relax in your own barrel sauna (sauna, outdoor kitchen, and raised beds convey with sale). Come see this one of a kind designer home!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$4,985
Property taxesest. at asking price, Duval County$1,470
Estimated total, before insurance$6,455/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$6,728/yr · $561/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, 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

$900,000
$180,000
Loan Term
Monthly Payment
$4,985
Principal & Interest: $4,985
Property taxes (est.): $1,470
Insurance (est.): $600
Estimated Total Monthly
$7,055
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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 1984)

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

Solar potential: ~1,814 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

This 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): $6,728/yr

Estimated taxes if purchased at asking price: ~$17,600/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

  • Feb 6, 2025Listed$929,000

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 $689/sq ft; this home is listed at $726/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
602 1st Street, Neptune Beach, FL 32266Listed by NON MLS (realMLS)Sep 2026$910,000$7112/1.51,28000
602 1st Street, Neptune Beach, FL 32266Listed by REAL BROKER LLCDec 2025$882,353$6892/1.51,280320
141 Poinsettia Street, Atlantic Beach, FL 32233Listed by THE CORDELL GROUP INCJul 2026$460,000$3692/1.51,248710.6
363 Sherry Drive, Atlantic Beach, FL 32233Listed by COLDWELL BANKER VANGUARD REALTYApr 2026$860,000$5333/2.51,61260.6
750 Cavalla Road, Atlantic Beach, FL 32233Listed by HASSLE-FREE REALTY LLCAug 2026$285,000$2702/1.51,056540.9
1901 1st Street 506, Jacksonville Beach, FL 32250Listed by WATSON REALTY CORPJul 2026$1,125,000$7413/21,518160.9

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

Price$929,000
Price / Sq Ft$726
Bedrooms2
Bathrooms1.50
Full Baths1
Half Baths1
Square Footage1,280
Acres0.06 acres
Year Built1984
TypeResidential
Sub-TypeTownhouse
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontNo
Direction FacesEast

Community Information

Address602 1st Street, Neptune Beach, FL 32266
Area221-Neptune Beach-East
SubdivisionNeptune Beach
CityNeptune Beach
CountyDuval
StateFL
Zip Code32266
Lot Size2,613.6 sq ft
Parcel Number1728090000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingCircular Driveway, Off Street
ViewBeach, Ocean

Interior

Interior FeaturesKitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Freezer, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringVinyl
# of Stories2
LaundryIn Unit, Upper Level

Exterior

Exterior FeaturesImpact Windows, Outdoor Kitchen, Other
Lot DescriptionCorner Lot
Patio / PorchDeck
FencingFenced
RoofShingle

Additional Information

Date ListedFebruary 6, 2025
Days on Market25
Tax Amount$6,727.58
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Apr 1, 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.

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