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This home is in Neptune Beach.

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106 BAY Street, Neptune Beach, FL 32266

$2,890,000
MLS# 2152719
8
Bedrooms
5
Bathrooms
4,844
Sq Ft
1933
Year Built

About This Home — 106 BAY Street

Offered for the first time in generations, this rare four-plex plus mother-in-law suite presents an exceptional opportunity in the heart of Neptune Beach, just two parcels from the ocean. Enjoy sensational ocean views and a level of privacy rarely found this close to the beach. Long cherished as a private family retreat, the property consists of five updated residences, with up to four units available for rental, offering outstanding income potential. Each residence features its own private entrance, dedicated outdoor living space, courtyards, and adjacent parking. Just steps from beach access and less than a mile from the historic Beaches Town Center, you'll enjoy effortless access to acclaimed restaurants, charming coffee shops, boutique shopping, and vibrant local entertainment. Neptune Beach is one of Northeast Florida's most sought-after coastal communities, celebrated for its laid-back charm, walkable neighborhoods, uncrowded beaches, and strong sense of community.

Features

Price$2,890,000
Price / Sq Ft$597
Bedrooms8
Bathrooms5.00
Full Baths5
Square Footage4,844
Acres0.17 acres
Year Built1933
TypeResidential
Sub-TypeSingle Family Residence
StyleMulti Generational, Traditional
Property ConditionUpdated/Remodeled
StatusActive
Has PoolNo
Is WaterfrontNo
Direction FacesSouth

Community Information

Address106 BAY Street, Neptune Beach, FL 32266
Area221-Neptune Beach-East
SubdivisionNeptune Beach
CityNeptune Beach
CountyDuval
StateFL
Zip Code32266
Lot Size7,405.2 sq ft
Lot Dimensions120 x 60
Parcel Number1726800000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingParking Lot, Unassigned
ViewBeach, Ocean, Water

Interior

Interior FeaturesCeiling Fan(s), Primary Bathroom - Tub with Shower
AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Freezer, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric, Multi Units, Split System, Varies by Unit, Wall/Window Unit(s)
FlooringTile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories3
LevelsThree Or More
LaundryElectric Dryer Hookup, Lower Level

Exterior

Exterior FeaturesBalcony, Courtyard
Lot DescriptionDead End Street
Patio / PorchDeck, Front Porch, Porch, Side Porch
FencingOther, Fenced, Back Yard, Block, Privacy
RoofMembrane, Shingle
ConstructionFrame, Wood Siding
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJune 27, 2026
Days on Market0
Tax Amount$3,024.26
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Mortgage Calculator

$2,890,000
$578,000
Loan Term
Monthly Payment
$15,382
Principal & Interest: $15,382
Est. Taxes & Insurance: $3,845
Estimated Total Monthly
$19,227
*Estimates based on 30-year loan at 7% APR. Actual payments may vary.

Listing Courtesy of: DOUGLAS ELLIMAN FLORIDA

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Expert

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida