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Active

Active·53 days on market

317 Magnolia Street

Neptune Beach, FL 32266

$1,299,000$557/sqftEst. $6,914/moMLS# 2146607

Beds

Baths

2,334

Sq Ft

1980

Built

Garage

Pool

About this home

Neptune Beach

MAIN HOUSE + GUEST HOUSE - Live the ultimate Neptune Beach lifestyle just 3 BLOCKS FROM THE OCEAN! East of 3rd Street and directly across from Jarboe Park, this property shines with a RARE 2BR/2BA, 958 sf, 2-story DETACHED ADU GUEST HOUSE - perfect for guests, multigenerational living, or income potential. Currently a 28-day min Airbnb producing approx. $3k/mo. The 3BR/2.5BA, 1376 sf, main home offers bright coastal living with all bedrooms upstairs and a fully fenced backyard. Easy stroll to the beach, pickleball courts, green space, and only 8 blocks to the vibrant Beaches Town Center with dining, coffee, and boutique shops. Extra wide driveway with plenty of parking plus overflow spaces on the street. Room for a boat or golf cart. The ADU includes all major appliances plus washer/dryer. Two fireplaces sold as-is; one functioning. Enjoy breezy mornings, park-side afternoons, and laid-back evenings in one of Neptune Beach's most loved locations. NO FLOOD ZONE. NO HOA.

Cost to own

Mortgage calculator

Home Price

$1,299,000

Down Payment: 20%

$259,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$6,562

Principal & Interest: $6,562

Est. Taxes & Insurance: $1,640

Estimated Total Monthly

$8,202

*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$6,914

Property taxesest. at asking price, Duval County$2,121

Estimated total, before insurance$9,035/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	$671,403	$333,528	—
2024	$671,830	$323,421	—
2023	$618,668	$312,545	—
2022	$564,388	$301,986	—
2021	$423,702	$291,734	—
2020	$416,906	$287,016	—

2025 property taxes (current owner): $6,105/yr

Estimated taxes if purchased at asking price: ~$25,500/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.

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: ~1,809 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 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

Jul 7, 2026Price change$1,299,000−$46,000
May 22, 2026Listed$1,345,000

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

Features

Price$1,299,000

Price / Sq Ft$557

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage2,334

Total Structure Area2,334 sq ft

Acres0.13 acres

Year Built1980

TypeResidential Income

Sub-TypeMulti Family

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

School Information

ElementaryNeptune Beach

MiddleFletcher Jr High

HighDuncan Fletcher

Community Information

Address317 Magnolia Street, Neptune Beach, FL 32266

Area221-Neptune Beach-East

SubdivisionNeptune Beach

CityNeptune Beach

CountyDuval

StateFL

Zip Code32266

Lot Size5,662.8 sq ft

Lot Dimensions57.00 96.00

Parcel Number1728880000

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, On Street

Interior

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump, Hot Water, Separate Meters

CoolingCentral Air, Electric, Multi Units, Separate Meters

FlooringTile, Wood

FireplaceYes

# of Fireplaces2

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Garage, Lower Level, Washer Hookup

SecuritySmoke Detector(s)

Exterior

Exterior FeaturesCourtyard

Lot DescriptionCorner Lot

FencingBack Yard, Full, Privacy, Vinyl, Wood

RoofShingle

ConstructionFiber Cement, Stucco

Other StructuresGuest House

Road FrontageCity Street

Additional Information

Date ListedMay 22, 2026

Days on Market52

Tax Amount$6,105.32

Tax Year2025

Listing TermsCash, Conventional, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Krista Fracke

Broker Associate

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