This home is in Neptune Beach — a home near Duncan U. Fletcher High School.
Active·130 days on market
1811 Twelve Oaks Lane N
Neptune Beach, FL 32266
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
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).
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.
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: ~1,494 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 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
- Apr 20, 2026Listed$1,240,000
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: CHAD AND SANDY REAL ESTATE GROUP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
Similar homes in Neptune Beach
Explore the area
More in Neptune Beach
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines