This home is in Neptune Beach.
Active·161 days on market
2010 Shadow Lane
Neptune Beach, FL 32266
About this home
Neptune Beach
Tucked away at the end of a quiet cul de sac in the heart of Neptune Beach, this private retreat offers sweeping marsh views, refreshing coastal breezes, and exceptional privacy. The home features four bedrooms, including a flexible space currently used as an office, and two and a half baths, thoughtfully designed to showcase the surrounding natural beauty. Large windows and French doors fill the home with natural light while framing stunning views of the marsh and Intracoastal. The expansive back porch is accessible through two sets of French doors from the main living area, creating a seamless indoor outdoor connection. An upper level deck spans the rear of the home and is shared by the primary bedroom and office, providing an ideal setting to enjoy peaceful mornings and relaxing evenings surrounded by nature.
Cost to own
Mortgage calculator
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, 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $364,563 | $123,027 | — |
| 2025 | $903,587 | $316,335 | — |
| 2024 | $339,401 | $118,711 | — |
| 2024 | $857,400 | $306,713 | — |
| 2023 | $394,708 | $113,651 | — |
| 2023 | $775,839 | $296,324 | — |
| 2022 | $336,523 | $113,239 | — |
| 2022 | $657,818 | $286,237 | — |
| 2021 | $234,535 | $108,970 | — |
| 2021 | $586,293 | $276,444 | — |
| 2020 | $222,441 | $106,775 | — |
| 2020 | $548,837 | $271,937 | — |
2024 property taxes (current owner): $5,661/yr
Estimated taxes if purchased at asking price: ~$22,000/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 (2025), NEFMLS.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1987)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water per the county inventory.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
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 homeAs of July 2026, 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
- Feb 9, 2026Listed$1,125,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
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