Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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

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Active

Active·45 days on market

576 Seagate Avenue

Neptune Beach, FL 32266

$1,399,900$478/sqftEst. $7,138/moMLS# 2150666

Beds

Baths

2,929

Sq Ft

2026

Built

Garage

Yes

Pool

About this home

Neptune Beach

NEW CONSTRUCTION IN NEPTUNE BEACH!!! Experience coastal living at its finest in this stunning custom-built home. Scheduled for completion in October, this exceptional residence features a private pool, beautiful hardwood flooring, custom wood cabinetry, quartz countertops, and soaring vaulted ceilings complemented by oversized windows that fill the home with natural light. Designed with both luxury and efficiency in mind, the home includes spray foam insulation, a whole-home dehumidifier, an impressive 16-foot sliding pocket glass door that seamlessly connects indoor and outdoor living. Additional highlights include an upstairs loft, private fenced backyard, paver driveway, and professionally designed landscaping. Ideally located less than five blocks from the beach, this home is within walking distance of Fletcher High School, popular restaurants, shopping, and vibrant local entertainment. Personalized selections and finishes will be dependent on time of purchase.

Cost to own

Mortgage calculator

Home Price

$1,399,900

Down Payment: 20%

$279,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$7,138

Principal & Interest: $7,138

Property taxes (est.): $2,286

Insurance (est.): $933

Estimated Total Monthly

$10,357

*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$7,138

Property taxesest. at asking price, Duval County$2,286

Estimated total, before insurance$9,424/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$954,783	$954,783	—
2024	$898,046	$898,046	—
2023	$938,842	$938,842	—
2022	$940,327	$284,680	—
2021	$746,659	$274,933	—
2020	$688,299	$270,447	—

Estimated taxes if purchased at asking price: ~$27,400/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 2026)

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: ~1,796 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 15, 2026Listed$1,399,900

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

Features

Price$1,399,900

Price / Sq Ft$478

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,929

Total Structure Area3,695 sq ft

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Salt Water

Is WaterfrontNo

New ConstructionYes

School Information

ElementarySan Pablo

MiddleDuncan Fletcher

HighDuncan Fletcher

Community Information

Address576 Seagate Avenue, Neptune Beach, FL 32266

Area222-Neptune Beach-West

SubdivisionJax Beach Park

CityNeptune Beach

CountyDuval

StateFL

Zip Code32266

Lot Dimensions65'x120'

Parcel Number1736060000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Nook, Butler Pantry, Ceiling Fan(s), Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringWood

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Upper Level, Washer Hookup

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)