This home is in Neptune Beach.
Sold·Closed Jul 2, 2026·33 days on market·Recent sales in Neptune Beach
1507 Spindrift Circle W
Neptune Beach, FL 32266
About this home
Neptune Beach
Welcome to this beautiful townhome in the heart of Neptune Beach, where comfort and coastal charm come together! This inviting 2-bedroom, 2.5-bath home features a bright, open layout filled with natural light, creating a warm and welcoming atmosphere throughout. The spacious primary suite offers a private balcony--perfect for enjoying your morning coffee or unwinding in the evening. Downstairs, you'll find a fenced backyard ideal for relaxing, entertaining, or giving pets a secure outdoor space. Recent updates include a brand-new roof, new HVAC, new appliances in 2021, brand new stove in 2026, and fresh interior paint, giving the home a clean, move-in-ready feel. Conveniently located just minutes from shopping, dining, and the beach, this townhome offers the perfect blend of tranquility and accessibility. Summer Sands also has a community pool! HOA fee includes lawn maintenance and front yard irrigation.
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.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: Shingle — year not disclosed (home built 1987)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,773 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 homeThis 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $327,538 | $184,486 | — |
| 2024 | $319,621 | $178,580 | — |
| 2023 | $307,664 | $171,923 | — |
| 2022 | $278,418 | $165,460 | — |
| 2021 | $226,792 | $159,185 | — |
| 2020 | $206,297 | $156,297 | — |
2025 property taxes (current owner): $3,450/yr
Estimated taxes if purchased at asking price: ~$7,500/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.
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 $294/sq ft; this home is listed at $312/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2005 Florida Boulevard, Neptune Beach, FL 32266Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $380,000 | $373 | 2/1.5 | 1,020 | 14 | 0.2 |
| 750 Cavalla Road, Atlantic Beach, FL 32233Listed by HASSLE-FREE REALTY LLC | Aug 2026 | $285,000 | $270 | 2/1.5 | 1,056 | 54 | 0.4 |
| 639 Aquatic Drive, Atlantic Beach, FL 32233Listed by MOMENTUM REALTY | Aug 2026 | $390,000 | $294 | 3/2 | 1,328 | 13 | 0.4 |
| 1114 Scheidel Court, Atlantic Beach, FL 32233Listed by UNITED REAL ESTATE GALLERY | Jul 2026 | $230,100 | $177 | 3/2 | 1,300 | 211 | 0.4 |
| 836 Cavalla Road, Atlantic Beach, FL 32233Listed by RIVER CITY REALTY | Jun 2026 | $291,000 | $258 | 2/1.5 | 1,128 | 141 | 0.4 |
| 696 Aquatic Drive, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $392,000 | $295 | 3/2 | 1,328 | 5 | 0.5 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CENTURY 21 LIGHTHOUSE REALTY
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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Krista Fracke
Broker Associate
This home sold on Jul 2, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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Northeast Florida living
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