This home is in Neptune Beach.

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Active

Active·153 days on market

0 Marsh Point Road

Neptune Beach, FL 32266

$850,000Est. $4,334/moMLS# 2131545

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Garage

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About this home

Neptune Beach

Owner financing available! Can't find the perfect home? Build your dream instead. This cleared corner homesite offers expansive marsh views, stunning sunsets, and refreshing coastal breezes in one of Neptune Beach's most desirable locations. The premium corner lot provides added flexibility for your custom home design, including ideal garage placement, extra parking, enhanced curb appeal, and abundant natural light. Enjoy peaceful coastal living just a short bike ride to the beach, top-rated schools, parks, shopping, and dining. Whether you're building your forever home or the ultimate beach retreat, this rare homesite combines privacy, natural beauty, and convenience in an unbeatable location. A rare opportunity to create the custom coastal lifestyle you've been searching for.

Cost to own

Mortgage calculator

Home Price

$850,000

Down Payment: 20%

$170,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,334

Principal & Interest: $4,334

Property taxes (est.): $1,388

Insurance (est.): $567

Estimated Total Monthly

$6,288

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$4,334

Property taxesest. at asking price, Duval County$1,388

Estimated total, before insurance$5,722/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.

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: material not specified

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

Likely septic · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,688 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

As 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