This home is in Neptune Beach — a home near Duncan U. Fletcher High School.
Sold·Closed Jul 31, 2026·2 days on market·Recent sales in Neptune Beach
1002 Neptune Lane
Neptune Beach, FL 32266
About this home
Neptune Beach
This peaceful oasis on an oak-filled lane in Neptune Beach is unique and special. Its 1950s mid-century style is open and airy: mostly one-floor living, with flowing living spaces that are not limited to a certain use, two first-floor bedrooms and a full bath, and two bedrooms and a full bathroom in a second-floor tower with views of the treetops. Terrazzo floors on the first floor are perfect for the beach life, and there are no step-downs! Important updates include many windows in 2025, 2024 roof, 2025 HVAC, interior paint., sewer line & bathroom piping, 2024-2025 fencing. Sprinklers run off a well, not city water! The amazing back yard hosts a variety of camellias that have been enjoyed by this family for years. The large shed is perfect for garden tools and mowers. Photos will be posted by Tuesday/Wednesday, June 30/July 1.
Next steps in Neptune Beach
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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 B
Zone B evacuates after zone A in an approaching storm.
Roof: Shingle — 2024 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,464 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 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $594,127 | $482,995 | — |
| 2024 | $600,431 | $439,087 | — |
| 2023 | $485,251 | $399,170 | — |
| 2022 | $432,395 | $362,882 | — |
| 2021 | $365,775 | $329,893 | — |
| 2020 | $299,903 | $299,903 | — |
Estimated taxes if purchased at asking price: ~$15,700/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 31, 2026Closed$799,900
- Jun 30, 2026Listed$799,900
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 $517/sq ft; this home is listed at $391/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1024 Neptune Lane, Neptune Beach, FL 32266Listed by SIGNATURE REALTY & MANAGEMENT | Sep 2026 | $1,100,000 | $422 | 4/3.5 | 2,605 | 90 | 0.1 |
| 1811 Twelve Oaks Lane N, Neptune Beach, FL 32266Listed by CHAD AND SANDY REAL ESTATE GROUP | Aug 2026 | $1,100,000 | $538 | 4/2.5 | 2,043 | 6 | 0.3 |
| 1017 Hagler Drive, Neptune Beach, FL 32266Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $1,000,000 | $455 | 4/3 | 2,200 | 3 | 0.4 |
| 2029 Shadow Lane, Neptune Beach, FL 32266Listed by LPT REALTY LLC | Aug 2026 | $650,000 | $346 | 3/2 | 1,881 | 103 | 0.4 |
| 707 Cedar Court, Neptune Beach, FL 32266Listed by WATSON REALTY CORP | Sep 2026 | $890,000 | $517 | 4/2 | 1,720 | 4 | 0.5 |
| 416 Hopkins Street, Neptune Beach, FL 32266Listed by PREMIER REAL ESTATE | Sep 2026 | $876,000 | $561 | 4/2.5 | 1,562 | 47 | 0.5 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERRY & CO. REAL ESTATE
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 31, 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines