This home is in Neptune Beach.

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Active Under Contract

Active Under Contract·33 days on market

1631 Arrowhead Trail

Neptune Beach, FL 32266

$899,000$378/sqftEst. $4,785/moMLS# 2150065

Beds

Baths

2,376

Sq Ft

1975

Built

Garage

Pool

About this home

Neptune Beach

Rare renovation opportunity in sought-after Neptune Beach! Situated on a large lot, this all-brick home offers endless potential in one of the area's most desirable neighborhoods. Just a short bike ride to the beach. The home features a renovated kitchen with white cabinetry, granite countertops, and stainless steel appliances. Spacious Florida room that provides additional living and entertaining space. Cozy up by the wood-burning fireplace. The bathroom was renovated in 2015, with a double-sink vanity and granite countertop, and the home was replumbed in October 2025. A rare bonus, the property includes RV and boat parking with water, electric, and sewer at the RV pad. With homes of similar size in the area selling for up to $1.4 million, this is an exceptional opportunity to renovate, customize, and build equity in a prime beachside location.

Cost to own

Mortgage calculator

Home Price

$899,000

Down Payment: 20%

$179,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,541

Principal & Interest: $4,541

Est. Taxes & Insurance: $1,135

Estimated Total Monthly

$5,676

*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$4,785

Property taxesest. at asking price, Duval County$1,468

Estimated total, before insurance$6,253/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	$659,204	$320,305	—
2024	$659,644	$310,571	▲ $44,383
2023	$566,430	$300,069	—
2022	$470,516	$289,873	—
2021	$391,424	$279,974	—
2020	$373,642	$275,419	—

2025 property taxes (current owner): $5,870/yr

Estimated taxes if purchased at asking price: ~$17,600/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 1975)

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: ~1,272 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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