This home is in Bowes Oceanview, Neptune Beach — a home near Duncan U. Fletcher High School.
Active Under Contract·145 days on market·Bowes Oceanview
124 Hopkins Street
Neptune Beach, FL 32266
2 more homes for sale in Bowes Oceanview →Search Bowes Oceanview on the map
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About this home
Bowes Oceanview
Steps from the sand and framed by unobstructed ocean views, this rare Neptune Beach duplex offers the ultimate blend of coastal lifestyle, flexibility, and investment potential. Each residence features 2 bedrooms, 2 bathrooms, and approximately 1,300 square feet of light-filled living space with open floorplans designed for relaxed beachside living. Expansive front porches and balconies invite you to enjoy ocean breezes, morning coffee, and evenings spent people-watching after a walk on the sand. Unit #124 is located downstairs, while #126 occupies the upper level, making this property ideal as a primary residence, vacation retreat, guest house, income-producing rental, or future single-family conversion. Spacious living areas, oversized kitchens, and a coveted location just steps from beach access create endless possibilities. A rare opportunity to own a versatile property in one of Florida's most desirable beach communities, and enjoy the relaxed charm that defines Neptune Beach
Next steps in Bowes Oceanview
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.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
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 1980)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0020407 - City of Neptune Beach · Public water (record)
County records show this parcel on central sewer served by FL0020407 - City of Neptune Beach — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,817 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.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:26 AM, sunset 6:57 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
- Winter afternoons on the lanai run dim earlier than any other orientation.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,295,534 | $982,589 | — |
| 2024 | $1,297,384 | $893,263 | — |
| 2023 | $915,256 | $812,058 | — |
| 2022 | $841,932 | $738,235 | — |
| 2021 | $706,423 | $671,123 | — |
| 2020 | $610,112 | $610,112 | — |
2025 property taxes (current owner): $19,491/yr
Estimated taxes if purchased at asking price: ~$29,400/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.
History
Price & status history
- Sep 15, 2026Active Under Contract$1,499,900
- Aug 11, 2026Price change$1,499,900−$150,100
- May 21, 2026Listed$1,650,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $488/sq ft; this home is listed at $550/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1331 1st Street N 402, Jacksonville Beach, FL 32250Listed by WATSON REALTY CORP | May 2025 | $1,490,000 | $780 | 3/3 | 1,910 | 2 | 0.5 |
| 917 1st Street N 1001, Jacksonville Beach, FL 32250Listed by WATSON REALTY CORP | Oct 2026 | $1,499,000 | $661 | 3/3 | 2,269 | 1 | 0.8 |
| 932 1st Street N 203, Jacksonville Beach, FL 32250Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jul 2026 | $950,000 | $386 | 3/3.5 | 2,463 | 50 | 0.8 |
| 932 1st Street N 701, Jacksonville Beach, FL 32250Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jun 2026 | $1,222,500 | $488 | 3/3.5 | 2,505 | 51 | 0.8 |
| 404 9th Avenue N, Jacksonville Beach, FL 32250Listed by BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTY | Jun 2026 | $611,000 | $319 | 4/3.5 | 1,915 | 81 | 0.8 |
| 932 1st Street N 501, Jacksonville Beach, FL 32250Listed by KELLER WILLIAMS ST JOHNS | Jun 2026 | $1,196,000 | $477 | 3/3.5 | 2,505 | 42 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
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.
The neighborhood
About Bowes Oceanview
Bowes Oceanview is a neighborhood in Neptune Beach, FL (Duval County), ZIP 32266.
View all Bowes Oceanview homes for sale →Keep looking
More homes in Bowes Oceanview
Under ContractIncome
124/126 Hopkins StreetNeptune Beach, FL 32266
4 bd · 4 ba · 2,728 sq ft
$1,499,900Est. $7,983/moSteps from the sand and framed by unobstructed ocean views, this rare Neptune Beach duplex offers the ultimate blend of…
Listing Office: christie's international real estate first coast
For Sale1842 Strand StreetNeptune Beach, FL 32266
4 bd · 3.5 ba · 3,012 sq ft
$3,875,000Est. $20,624/moOceanfront living in Neptune Beach doesn't get much better than this. Offering what may be one of the best values…
Listing Office: ponte vedra club realty, inc.
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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.
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines