This home is in Neptune Beach.
Pending·99 days on market
230 Margaret Street
Neptune Beach, FL 32266
About this home
Neptune Beach
Rare duplex opportunity east of Third Street in the heart of Neptune Beach. 230 Margaret Street features two spacious 2-bedroom, 2-bath units, each approximately 1,020 square feet, with strong rental potential in one of Northeast Florida's most desirable coastal markets. Constructed with durable concrete block construction, the property offers long-term durability and low-maintenance ownership. Each unit includes in-unit laundry, generous living space, and access to an oversized shared deck ideal for outdoor entertaining and beachside living. Additional features include off-street parking, a covered carport, and a roof replaced approximately three years ago. Ideally located just two blocks from the ocean with walkable access to dining, shopping, and entertainment, this property presents an exceptional opportunity for investors, owner-occupants, or those seeking a premier beachside asset.
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
Last sold: $990,000 in May 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $156,605 | $28,890 | — |
| 2025 | $899,843 | $899,843 | — |
| 2024 | $153,057 | $27,368 | — |
| 2024 | $1,025,912 | $936,349 | — |
| 2023 | $151,250 | $25,115 | — |
| 2023 | $812,107 | $812,107 | — |
| 2022 | $133,799 | $25,000 | — |
| 2022 | $719,669 | $649,337 | — |
| 2021 | $110,575 | $25,000 | — |
| 2021 | $626,049 | $590,307 | — |
| 2020 | $100,478 | $25,000 | — |
| 2020 | $570,698 | $536,643 | — |
2025 property taxes (current owner): $16,032/yr
Estimated taxes if purchased at asking price: ~$26,500/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 (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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, Tar/Gravel — year not disclosed (home built 1977)
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: ~1,704 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.
History
Price & status history
- Aug 3, 2026Pending$1,350,000
- Jul 12, 2026Active Under Contract$1,350,000
- May 22, 2026Listed$1,350,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KST GROUP LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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