This home is in Neptune Beach.

1 / 46

Active

Active·45 days on market

124/126 Hopkins Street

Neptune Beach, FL 32266

$1,650,000$605/sqftEst. $8,387/moMLS# 2148674

Beds

Baths

2,728

Sq Ft

1980

Built

—

Garage

Pool

About this home

Neptune Beach

Steps from the sand and framed by unobstructed ocean views, this rare Neptune Beach duplex offers the ultimate blend of coastal lifestyle, flexibility, and investment potential. Each residence features 2 bedrooms, 2 bathrooms, and approximately 1,300 square feet of light-filled living space with open floorplans designed for relaxed beachside living. Expansive front porches and balconies invite you to enjoy ocean breezes, morning coffee, and evenings spent people-watching after a walk on the sand. Unit #124 is located downstairs, while #126 occupies the upper level, making this property ideal as a primary residence, vacation retreat, guest house, income-producing rental, or future single-family conversion. Spacious living areas, oversized kitchens, and a coveted location just steps from beach access create endless possibilities. A rare opportunity to own a versatile property in one of Florida's most desirable beach communities, and enjoy the relaxed charm that defines Neptune Beach!

Cost to own

Mortgage calculator

Home Price

$1,650,000

Down Payment: 20%

$330,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$8,387

Principal & Interest: $8,387

Est. Taxes & Insurance: $2,097

Estimated Total Monthly

$10,483

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$8,387

Property taxesest. at asking price, Duval County$2,694

Estimated total, before insurance$11,081/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	$1,295,534	$982,589	—
2024	$1,297,384	$893,263	—
2023	$915,256	$812,058	—
2022	$841,932	$738,235	—
2021	$706,423	$671,123	—
2020	$610,112	$610,112	—

2025 property taxes (current owner): $19,491/yr

Estimated taxes if purchased at asking price: ~$32,300/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: ~1,817 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