This home is in Neptune Beach.

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Active

Active·54 days on market

1403 Oceanfront

Neptune Beach, FL 32266

$4,900,000$1350/sqftEst. $26,080/moMLS# 2146721

Beds

Baths

3,629

Sq Ft

2004

Built

Garage

Pool

About this home

Neptune Beach

This exceptional oceanfront estate offers a rare opportunity to own on one of Northeast Florida's most desirable stretches of coastline. Tucked along a quiet one-way street, the property combines privacy, luxury, and breathtaking ocean views in one unforgettable setting. This 4-bedroom, 4-bathroom residence was thoughtfully designed to maximize coastal living, with ocean views visible from the moment you enter the home and panoramic Atlantic vistas from the expansive primary suite. Expansive walls of glass fill the interior with natural light, while multiple oceanfront decks and balconies create seamless indoor-outdoor living perfect for entertaining or simply enjoying the sound of the waves. A grandfathered private beach crossover offers direct access to the sand -an increasingly rare feature in Neptune Beach.

Cost to own

Mortgage calculator

Home Price

$4,900,000

Down Payment: 20%

$980,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$24,751

Principal & Interest: $24,751

Est. Taxes & Insurance: $6,188

Estimated Total Monthly

$30,939

*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$26,080

Property taxesest. at asking price, Duval County$8,001

Estimated total, before insurance$34,081/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	$3,358,079	$1,315,370	—
2024	$3,510,520	$1,277,592	▼ $101
2023	$2,612,336	$1,238,925	—
2022	$2,223,234	$1,201,384	—
2021	$1,776,774	$1,164,936	—
2020	$1,657,080	$1,148,162	▲ $883

2025 property taxes (current owner): $23,598/yr

Estimated taxes if purchased at asking price: ~$96,000/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: Metal — year not disclosed (home built 2004)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely septic · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,793 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

May 22, 2026Listed$4,900,000

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

Features

Price$4,900,000

Price / Sq Ft$1,350

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,629

Total Structure Area5,673 sq ft

Acres0.11 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Direction FacesWest

Community Information

Address1403 Oceanfront, Neptune Beach, FL 32266

Area221-Neptune Beach-East

SubdivisionNeptune Beach

CityNeptune Beach

CountyDuval

StateFL

Zip Code32266

Lot Size4,791.6 sq ft

Parcel Number1729910000

ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewBeach, Ocean, Water

Waterfront TypeOcean Front

Interior

Interior FeaturesBreakfast Bar, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, His and Hers Closets, Jack and Jill Bath, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories3

LevelsThree Or More

LaundryIn Unit, Lower Level