Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Neptune Beach — an oceanfront home in Northeast Florida.

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Sold

Sold·Closed Jan 16, 2026·167 days on market·Recent sales in Neptune Beach

1509 Oceanfront

Neptune Beach, FL 32266

$5,000,000sold priceListed at $5,995,000 · 83.4% of asking$1419/sqftMLS# 2096935

Beds

4.5

Baths

3,524

Sq Ft

2025

Built

Garage

Pool

No HOA5,227 sqft lotWaterfrontSingle Family Residence2 stories

About this home

Neptune Beach

Oceanfront Neptune Beach with POOL approval. Parking for 5 cars! New RE-construction by Barnett Custom Homes. Curated to capture the Atlantic Ocean views and white sand beaches! Over 3,500 sq. feet, 4 bedrooms, 4.5 bathrooms, office or flex space, 2 laundry rooms and a 2 car garage. All bedrooms have en-suite bathrooms. Taken down to the block foundation, the floor plan has been modified and all new finishes, drywall, electrical, plumbing, HVAC. Exterior includes new tile roof, new stucco, new Marvin impact glass windows & doors. This concrete block home was built with auger concrete pilings. Kitchen selections include, Wolf gas range, Sub zero, full overlay cabinetry, quartzite countertops. Wood flooring throughout, tongue & groove ceilings. All new bathrooms will impress with Delta & Brizo fixtures, marble/stone or porcelain tile, designer lighting. Expansive balcony and covered lanai provide exquisite views of the coastline. Walkable to Beaches Town Center shops & restaurants.

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.

Principal & interest20% down · 7.4% · 30yr$27,695

Property taxesest. at asking price, Duval County$8,164

Estimated total, before insurance$35,859/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$5,000,000

Down Payment: 20%

$1,000,000

Interest Rate: 7.40%

Loan Term

Monthly Payment

$27,695

Principal & Interest: $27,695

Property taxes (est.): $8,164

Insurance (est.): $3,333

Estimated Total Monthly

$39,193

*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: Concrete, Tile — year not disclosed (home built 2025)

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

Solar potential: ~1,795 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.

History

Price & status history

Jul 4, 2025Listed$5,995,000

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 $422/sq ft; this home is listed at $1,701/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
1717 Strand Street, Neptune Beach, FL 32266Listed by RE/MAX SPECIALISTS PV	Jun 2026	$3,500,000	$1,386	3/3.5	2,525	52	0.1
26 20th Avenue N, Jacksonville Beach, FL 32250Listed by COLDWELL BANKER VANGUARD REALTY	Jul 2026	$3,100,000	$1,089	4/4.5	2,847	32	0.4
1602 7th Street N, Jacksonville Beach, FL 32250Listed by RIVER CITY REALTY	Oct 2026	$1,075,000	$343	4/2.5	3,137	198	0.8
1024 Neptune Lane, Neptune Beach, FL 32266Listed by SIGNATURE REALTY & MANAGEMENT	Sep 2026	$1,100,000	$422	4/3.5	2,605	90	0.8
1103 18th Avenue N, Jacksonville Beach, FL 32250Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS	Aug 2026	$1,125,000	$400	4/4	2,814	3	0.9
2010 Shadow Lane, Neptune Beach, FL 32266Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE	Oct 2026	$1,050,000	$384	4/2.5	2,735	184	1

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$5,995,000

Price / Sq Ft$1,701

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,524

Acres0.12 acres

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction, Updated/Remodeled

StatusClosed

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryNeptune Beach

MiddleFletcher Jr High

HighDuncan Fletcher

Community Information

Address1509 Oceanfront, Neptune Beach, FL 32266

Area221-Neptune Beach-East

SubdivisionNeptune Beach

CityNeptune Beach

CountyDuval

StateFL

Zip Code32266

Lot Size5,227.2 sq ft

Parcel Number1729870000

ZoningSingle Family

Amenities

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewBeach, Ocean

Waterfront TypeNavigable Water, Ocean Access, Ocean Front

Interior

Interior FeaturesBreakfast Bar, Butler Pantry, Entrance Foyer, Guest Suite, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Home, Smart Thermostat

AppliancesDishwasher, Disposal, Freezer, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringMarble, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryLower Level, Upper Level

Exterior

Exterior FeaturesBalcony, Impact Windows, Outdoor Kitchen

Patio / PorchCovered, Patio, Rear Porch

RoofConcrete, Tile

ConstructionBlock, Concrete, Frame

Additional Information

Date ListedJuly 4, 2025

Days on Market167

Listing TermsCash, Conventional

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS PV

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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