This home is in Neptune Beach.
Active·45 days on market
2134 Rosewood Drive
Neptune Beach, FL 32266
About this home
Neptune Beach
Enjoy the Beach Life in this highly sought after Coastal Community. Sample the Restaurants and Shops in Town Square at the shores of Neptune Beach. This is a great opportunity to own a property, newly renovated from Floor to Ceiling. Feels like new construction. Nestled in a nature-like setting captured in a quiet neighborhood and NO HOA. This 2-Story Townhome, with NEW ROOF (April 2026), is a 2 Bedroom, 1 1/2 Bath, all Upgraded. Vinyl Plank Flooring Downstairs and New Carpet Upstairs. Smooth Ceilings throughout. The Kitchen has Quartz Countertops, Subway-Tiled Backsplash. Brand New Frigidaire Stainless Steel Appliances, SS Sink. All Windows w/New Blinds. All new Lighting throughout and (3) Remote-Controlled Ceiling Fans w/Lights. Wood Stairs lead to the 2nd Floor where the Laundry Room, Bedrooms/Bath are located. Large Closets. AC Unit Replaced (2023), New Hardy Board Siding, Windows, Garage Door and Patio Slider Replaced (2017). Large Patio w/Fenced Backyard & Trees!
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $274,799 | $263,128 | — |
| 2024 | $302,630 | $239,208 | — |
| 2023 | $242,884 | $217,462 | — |
| 2022 | $228,760 | $197,693 | — |
| 2021 | $204,952 | $179,721 | — |
| 2020 | $169,853 | $163,383 | — |
2025 property taxes (current owner): $4,762/yr
Estimated taxes if purchased at asking price: ~$8,200/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 1984)
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: ~1,725 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 homeAs 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
- Jul 24, 2026Price change$419,000−$16,000
- Jun 17, 2026Listed$435,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: INI REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines