This home is in Neptune Beach.

1 / 19

Active

Active·45 days on market

515 3rd Street

Neptune Beach, FL 32266

$1,650,000$1022/sqftEst. $8,413/moMLS# 2149511

Beds

Baths

1,615

Sq Ft

1949

Built

—

Garage

Pool

About this home

Neptune Beach

Charming old Neptune Beach farm house with original oak hardwood floors. Newly renovated designer kitchen, 2 bedroom 2 bath, butlers pantry, wood paneled study, Florida styled living room looking out to tropical orchard . Detached 1 bedroom, 1 bath cottage with private court yard. Home sits on two buildable lots with large Magnolia trees. Profitable rental income $4K - $5K mo. 2 blocks to ocean & beach access and 2 blks to Town Center, all new kitchen appliances, large bedroom closets, large attic for storage or add additional second floor bedroom & bath. Well for irrigation, tropical side courtyard off main house. Private fenced back yard.

Cost to own

Mortgage calculator

Home Price

$1,650,000

Down Payment: 20%

$330,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$8,413

Principal & Interest: $8,413

Property taxes (est.): $2,694

Insurance (est.): $1,100

Estimated Total Monthly

$12,207

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$8,413

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

Estimated total, before insurance$11,107/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$14,592/yr · $1,216/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	$819,017	$819,017	—
2024	$819,017	$750,769	—
2023	$682,518	$682,518	—
2022	$637,016	$637,016	—
2021	$524,687	$524,687	—
2020	$522,179	$522,179	—

2025 property taxes (current owner): $14,592/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 1949)

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: ~1,686 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

Jun 8, 2026Listed$1,650,000

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

Features

Price$1,650,000

Price / Sq Ft$1,022

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,615

Total Structure Area1,962 sq ft

Acres0.25 acres

Year Built1949

TypeResidential

Sub-TypeSingle Family Residence

StyleCottage

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementaryNeptune Beach

MiddleFletcher Jr High

HighDuncan Fletcher

Community Information

Address515 3rd Street, Neptune Beach, FL 32266

Area221-Neptune Beach-East

SubdivisionNeptune Beach

CityNeptune Beach

CountyDuval

StateFL

Zip Code32266

Lot Size10,890 sq ft

Lot Dimensions100 x 108

Parcel Number1729750000

ZoningResidential

Amenities

UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingOff Street

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Kitchen Island, Primary Bathroom - Shower No Tub

AppliancesConvection Oven, Dishwasher, Dryer, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer, Washer/Dryer Stacked

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringConcrete, Wood

# of Stories1

Exterior

Exterior FeaturesOutdoor Shower

FencingBack Yard, Privacy, Wood

RoofShingle

ConstructionComposition Siding, Frame

Road SurfaceAsphalt

Road FrontageState Road

Additional Information

Date ListedJune 9, 2026

Days on Market1

Tax Amount$14,591.69

Tax Year2025

Listing TermsCash, Conventional

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Keep looking

More homes in Neptune Beach

Keep looking

Similar homes in Neptune Beach

Your Local Realtor

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Contact Krista Fracke