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This home is in Neptune Beach — an oceanfront home in Northeast Florida.

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Active

Active·98 days on market

1403 Oceanfront

Neptune Beach, FL 32266

$4,900,000$1350/sqftEst. $25,191/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: 6.66%

Loan Term

Monthly Payment

$25,191

Principal & Interest: $25,191

Property taxes (est.): $8,001

Insurance (est.): $3,267

Estimated Total Monthly

$36,459

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$25,191

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

Estimated total, before insurance$33,192/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$23,598/yr · $1,966/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, 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

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.

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: ~1,793 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

As 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

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