This home is in Neptune Beach — a home near Duncan U. Fletcher High School.
$288,000Active Under Contract2 bd · 1.5 ba · 966 sq ft
Active Under Contract·169 days on market
2513 Waters Edge Drive
Neptune Beach, FL 32266
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Neptune Beach
Looking for affordable coastal living in Neptune Beach? This updated 2BR/1.5BA townhouse offers modern style and convenience with no HOA located minutes from the beach, shopping and local restaurants. Enjoy an open-concept living/dining area with updated flooring, fresh paint, and new lighting. The kitchen features updated appliances and modern fixtures. A stylish half-bath and large laundry room complete the main level. Upstairs includes two spacious bedrooms and a renovated full bath. The primary bedroom offers a private balcony with a view of the Intracoastal, perfect for morning coffee or evening sunsets. The screened-in back porch overlooks a fully fenced backyard with fresh landscaping; ideal for relaxing, entertaining or enjoying the coastal breeze. Major updates include a newer roof, HVAC, plumbing, and electrical panel for peace of mind. Don't miss your chance to own a move-in ready home in one of Northeast Florida's most desirable coastal communities!
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.
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 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 1980)
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: ~1,679 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Atlantic Blvdabout 2 mi · 50 parking spaces
Closest park or preserve
Dutton Island Preserveabout 1 mi · 1.2 mi of trails
Closest public boat ramp
Oak Harbor Boat Ramp (Restricted to shallow draft boats)about 2 mi · Atlantic ICW (Duval County)
Closest kayak & paddleboard launch
Tide Views Preserve Canoe Landing (Long Portage!)about 0.3 mi · Pablo Creek
Closest youth league fields
Donner Park & Gail Baker Community Centerabout 1 mi · Football, Soccer
Closest grocery store
Aldiabout 0.8 mi · 1209 Atlantic Boulevard, Neptune Beach
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $147,317 | $0 | — |
| 2024 | $137,661 | $0 | — |
| 2023 | $141,555 | $0 | — |
| 2022 | $133,561 | $0 | — |
| 2021 | $119,063 | $0 | — |
| 2020 | $101,908 | $0 | — |
2025 property taxes (current owner): $339/yr
Estimated taxes if purchased at asking price: ~$5,600/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
- Oct 28, 2026Active Under Contract$288,000
- Oct 2, 2026Price change$288,000−$1,000
- Sep 6, 2026Price change$289,000−$1,000
- Aug 13, 2026Price change$290,000−$5,000
- Jul 31, 2026Price change$295,000−$4,900
- Jul 27, 2026Price change$299,900−$10,000
- Jul 10, 2026Price change$309,900−$5,000
- May 14, 2026Listed$314,900
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 $270/sq ft; this home is listed at $298/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2513 Waters Edge Drive, Neptune Beach, FL 32266Listed by MERO REALTY | Mar 2026 | $199,000 | $222 | 2/1.5 | 896 | 15 | 0 |
| 2005 Florida Boulevard, Neptune Beach, FL 32266Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $380,000 | $373 | 2/1.5 | 1,020 | 14 | 0.3 |
| 101 Oceangate Drive, Atlantic Beach, FL 32233Listed by COLDWELL BANKER VANGUARD REALTY | Apr 2026 | $292,000 | $232 | 3/2 | 1,256 | 3 | 0.4 |
| 836 Cavalla Road, Atlantic Beach, FL 32233Listed by RIVER CITY REALTY | Jun 2026 | $291,000 | $258 | 2/1.5 | 1,128 | 141 | 0.7 |
| 828 Cavalla Road, Atlantic Beach, FL 32233Listed by EXIT 1 STOP REALTY | Mar 2026 | $313,000 | $296 | 2/1.5 | 1,056 | 31 | 0.7 |
| 750 Cavalla Road, Atlantic Beach, FL 32233Listed by HASSLE-FREE REALTY LLC | Aug 2026 | $285,000 | $270 | 2/1.5 | 1,056 | 54 | 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: LPT REALTY LLC
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.
Keep looking
Similar homes in Neptune Beach
Explore the area
More in Neptune Beach
Neptune Beach guides & reports
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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines