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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Indian Woods, Neptune Beach — a home near Duncan U. Fletcher High School.

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Sold

Sold·Closed Jul 20, 2026·7 days on market·Recent sales in Indian Woods·Indian Woods

1631 Arrowhead Trail

Neptune Beach, FL 32266

$850,000sold priceListed at $899,000 · 94.5% of asking$358/sqftMLS# 2150065
4
Beds
2
Baths
2,376
Sq Ft
1975
Built
2
Garage
No
Pool

All Indian Woods homes for sale →Search Indian Woods on the map

FEMA Zone XNo HOA15,682 sqft lotSingle Family Residence1 story

About this home

Indian Woods

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

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$4,708
Property taxesest. at asking price, Duval County$1,388
Estimated total, before insurance$6,096/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,870/yr · $489/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$850,000
$170,000
Loan Term
Monthly Payment
$4,708
Principal & Interest: $4,708
Property taxes (est.): $1,388
Insurance (est.): $567
Estimated Total Monthly
$6,663
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
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: ~$16,700/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.

History

Price & status history

  • Jul 21, 2026Closed$899,000
  • Jun 11, 2026Listed$899,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $384/sq ft; this home is listed at $378/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2010 Shadow Lane, Neptune Beach, FL 32266Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDEOct 2026$1,050,000$3844/2.52,7351840.4
636 Camellia Terrace Drive, Neptune Beach, FL 32266Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$735,000$2664/32,7671100.4
1024 Neptune Lane, Neptune Beach, FL 32266Listed by SIGNATURE REALTY & MANAGEMENTSep 2026$1,100,000$4224/3.52,605900.5
1312 Jenks Court, Neptune Beach, FL 32266Listed by PONTE VEDRA PALM VALLEY REAL ESTATE COMPANY LLCSep 2026$740,000$3704/21,999790.5
1821 Leeward Lane, Neptune Beach, FL 32266Listed by LATITUDE 30 REALTY LLCSep 2026$630,000$3384/31,863620.5
1871 Kings Road, Jacksonville Beach, FL 32250Listed by MASH REALTY SERVICES, LLCSep 2026$1,200,000$4534/3.52,64740.5

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$899,000
Price / Sq Ft$378
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,376
Acres0.36 acres
Year Built1975
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address1631 Arrowhead Trail, Neptune Beach, FL 32266
Area222-Neptune Beach-West
SubdivisionIndian Woods
CityNeptune Beach
CountyDuval
StateFL
Zip Code32266
Lot Size15,681.6 sq ft
Parcel Number1786690000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAttached, Garage, RV Access/Parking

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Primary Downstairs
AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FireplaceYes
# of Fireplaces1
# of Stories1

Exterior

Lot DescriptionMany Trees
Patio / PorchFront Porch, Glass Enclosed
FencingBack Yard
RoofShingle
ConstructionBrick
Road SurfaceAsphalt

Additional Information

Date ListedJune 11, 2026
Days on Market7
Tax Amount$5,869.74
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS PV

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Indian Woods

Indian Woods is a neighborhood in Neptune Beach, FL (Duval County), ZIP 32266.

View all Indian Woods homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 20, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

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

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