This home is in Neptune Beach.
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Sold·Closed Mar 30, 2026·293 days on market·Recent sales in Neptune Beach
300 Bay Street
Neptune Beach, FL 32266
About this home
Neptune Beach
Neptune Beach duplex just two blocks from the ocean, two blocks from Jarboe Park, and nine blocks from Beaches Town Center. Located on a quiet corner lot, this property offers a peaceful setting with the sand just steps away. Each unit is a mirror-image 2BR/1BA layout with large east-facing windows, natural light, and charming finishes. The north unit features tile and hardwood floors, private backyard access, and is tenant-ready. The south unit includes hardwood downstairs and carpet upstairs. A detached two-car garage with power adds storage and flexibility. The spacious yard offers plenty of room for outdoor living, entertaining, or gardening. Ideal for owner-occupants, investors, or multigenerational living. Walkable, bikeable, and filled with coastal charm—this is a rare opportunity to own in one of Northeast Florida's most desirable beach communities.
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 1938)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,685 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest beach access
Bay Stabout 0.2 mi
Closest park or preserve
Dutton Island Preserve13 min drive · 1.2 mi of trails
Closest public boat ramp
Oak Harbor Boat Ramp (Restricted to shallow draft boats)about 3 mi · Atlantic ICW (Duval County)
Closest kayak & paddleboard launch
Tide Views Preserve Canoe Landing (Long Portage!)about 2 mi · Pablo Creek
Closest youth league fields
Fletcher High School Pool4 min drive · Baseball, Basketball, Football, Soccer, Volleyball, Lacrosse, Swimming
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $9,212/yr
Estimated taxes if purchased at asking price: ~$22,100/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.
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 $456/sq ft; this home is listed at $486/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 301 Pine Street, Neptune Beach, FL 32266Listed by COMPASS FLORIDA LLC | Jul 2025 | $1,000,000 | $434 | 5/0 | 2,304 | 0 | 0 |
| 918 First Street, Neptune Beach, FL 32266Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Feb 2026 | $1,310,000 | $613 | 6/3 | 2,138 | 53 | 0.1 |
| 217 Magnolia Street, Neptune Beach, FL 32266Listed by CATTAR REALTY, INC. | May 2025 | $1,225,000 | $387 | 7/5 | 3,168 | 311 | 0.1 |
| 207 Cherry Street, Neptune Beach, FL 32266Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Apr 2025 | $1,350,000 | $426 | 4/5 | 3,168 | 29 | 0.3 |
| 230 Margaret Street, Neptune Beach, FL 32266Listed by KST GROUP LLC | Sep 2026 | $1,200,000 | $588 | 4/4 | 2,040 | 50 | 0.5 |
| 123 Margaret Street, Neptune Beach, FL 32266Listed by SPECTRUM REALTY SERVICES | Jul 2026 | $1,293,500 | $456 | 5/4 | 2,834 | 88 | 0.6 |
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: ERA ONETEAM REALTY
Sold by: FLUID REALTY, LLC. (buyer's brokerage)
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 Mar 30, 2026. 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines