This home is in Neptune Beach.

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Active

Active·51 days on market

2101 Bartolome Road

Neptune Beach, FL 32266

$975,000$551/sqftEst. $5,189/moMLS# 2146993

Beds

Baths

1,770

Sq Ft

1984

Built

Garage

Pool

About this home

Neptune Beach

Enjoy stunning Intracoastal views from this fully renovated townhome, rebuilt from the studs in 2023 with luxury finishes and exceptional attention to detail throughout. The first floor features two bedrooms, a full bath, laundry area, garage access, and tile flooring throughout. Upstairs, the open-concept living space is filled with natural light and breathtaking water views from nearly every room. The oversized balcony spans the entire front of the home, perfect for relaxing or entertaining. The chef's kitchen features a massive island, custom cabinetry, premium stainless steel appliances, commercial-style refrigerator, and gas range. Triple-pane impact windows provide comfort and peace of mind. The spacious primary suite offers a private retreat, while the additional upstairs bedroom is ideal for guests or office space. Rare opportunity to own a like-new waterfront property with high-end upgrades and unbeatable views!

Cost to own

Mortgage calculator

Home Price

$975,000

Down Payment: 20%

$195,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,925

Principal & Interest: $4,925

Est. Taxes & Insurance: $1,231

Estimated Total Monthly

$6,156

*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$5,189

Property taxesest. at asking price, Duval County$1,592

Estimated total, before insurance$6,781/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

Last sold: $913,000 in February 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$838,975	$838,975	▲ $90,700
2024	$812,395	$812,395	—
2023	$776,066	$776,066	—
2022	$731,626	$346,968	—
2021	$654,737	$335,406	—
2020	$551,429	$330,085	—

Estimated taxes if purchased at asking price: ~$19,100/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 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: material not specified — year not disclosed (home built 1984)

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: ~1,688 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