This home is in Neptune Beach.

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Active

Active·86 days on market

1811 Twelve Oaks Lane N

Neptune Beach, FL 32266

$1,240,000$607/sqftEst. $6,600/moMLS# 2138987

Beds

Baths

2,043

Sq Ft

1976

Built

Garage

Pool

About this home

Neptune Beach

**WATERFRONT**MINS FROM BEACH**FULL RENOVATION** Welcome to this gorgeous home nestled in a highly desirable community of Neptune Beach. This 4 bed/2.5 bath residence features TWO LIVING ROOM spaces where you can enjoy the natural lighting and beautiful views of Hopkins Creek. This is an AMAZING LOCATION with NO HOA The kitchen also overlooks the water and boasts a HUGE food prep island, top of the line stainless steel appliances, and TONS OF CABINETRY. The primary suite includes a sitting area and a large closet with BUILT-IN SHELVING, A spacious laundry room with cabinetry, a new paver driveway, and a deck overlooking the water complete this gorgeous property. This house presents the opportunity to live on the water, it's just waiting for you to design the perfect pool and a new dock. With just a short bike ride away from the beach you don't want to miss this one!

Cost to own

Mortgage calculator

Home Price

$1,240,000

Down Payment: 20%

$248,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$6,264

Principal & Interest: $6,264

Est. Taxes & Insurance: $1,566

Estimated Total Monthly

$7,829

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$6,600

Property taxesest. at asking price, Duval County$2,025

Estimated total, before insurance$8,625/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, 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	$678,671	$678,671	—
2024	$642,198	$143,943	—
2023	$564,666	$138,295	—
2022	$542,980	$132,811	—
2021	$402,933	$127,487	—
2020	$394,638	$125,037	—

2025 property taxes (current owner): $12,091/yr

Estimated taxes if purchased at asking price: ~$24,300/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 1976)

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: ~1,494 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Apr 20, 2026Listed$1,240,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,240,000

Price / Sq Ft$607

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,043

Acres0.42 acres

Year Built1976

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesSoutheast

School Information

ElementarySan Pablo

MiddleFletcher Jr High

HighDuncan Fletcher

Community Information

Address1811 Twelve Oaks Lane N, Neptune Beach, FL 32266

Area222-Neptune Beach-West

SubdivisionTwelve Oaks

CityNeptune Beach

CountyDuval

StateFL

Zip Code32266

Lot Size18,295.2 sq ft

Lot Dimensions112 x 158

Parcel Number1787450146

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Off Street

ViewCreek/Stream

Waterfront TypeCreek, Navigable Water, Ocean Access

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Bathroom - Tub with Shower, Walk-In Closet(s)

AppliancesDishwasher, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringVinyl

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Washer Hookup