This home is in Neptune Beach — a home near Duncan U. Fletcher High School.
Sold·Closed Sep 14, 2026·47 days on market·Recent sales in Neptune Beach
416 Hopkins Street
Neptune Beach, FL 32266
About this home
Neptune Beach
WELCOME to the BEACH LIFE! Just 3 blocks to ocean. This updated 3 bedroom plus office and 2.5 bathroom home features a remodeled kitchen with quartz countertops with waterfall peninsula, marble backsplash and luxury vinyl flooring throughout the downstairs. Kitchen is open to the living room which features a built in bench for extra storage and seating. Upstairs you have hardwood floors, 3 spacious bedrooms with the large primary with ensuite and a wall of closets. Outside enjoy the tropical landscaping on your choice of large deck or covered patio and an outdoor shower for use after a day at the beach. This home is concrete block and frame construction with a one car garage.
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 (that applies to the reference bill above too).
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 (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 1964)
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: ~1,684 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.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:25 AM, sunset 6:59 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
- Winter afternoons on the lanai run dim earlier than any other orientation.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $603,473 | $552,751 | — |
| 2024 | $474,871 | $474,871 | — |
| 2023 | $486,233 | $449,904 | — |
| 2022 | $435,512 | $409,004 | — |
| 2021 | $396,731 | $371,822 | — |
| 2020 | $338,020 | $338,020 | — |
2025 property taxes (current owner): $10,011/yr
Estimated taxes if purchased at asking price: ~$17,200/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.
History
Price & status history
- Sep 21, 2026Closed$865,000
- Aug 16, 2026Active Under Contract$865,000
- Aug 6, 2026Price change$865,000−$30,000
- Jun 28, 2026Listed$895,000
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 $615/sq ft; this home is listed at $554/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 213 Hopkins Street, Neptune Beach, FL 32266Listed by COMPASS FLORIDA LLC | Jul 2026 | $1,200,000 | $615 | 4/3 | 1,950 | 7 | 0.1 |
| 1800 First Street, Neptune Beach, FL 32266Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $990,000 | $867 | 2/1.5 | 1,142 | 1 | 0.2 |
| 524 16th Avenue N, Jacksonville Beach, FL 32250Listed by 1 PERCENT LISTS FIRST COAST | Sep 2026 | $735,000 | $460 | 4/3 | 1,598 | 8 | 0.4 |
| 545 South Street, Neptune Beach, FL 32266Listed by HOVER GIRL PROPERTIES | Aug 2026 | $1,450,000 | $742 | 4/2.5 | 1,953 | 33 | 0.4 |
| 502 13th Avenue N, Jacksonville Beach, FL 32250Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Aug 2026 | $540,000 | $266 | 4/2 | 2,031 | 5 | 0.5 |
| 942 16th Avenue N, Jacksonville Beach, FL 32250Listed by YOUR PROPERTY REALTY LLC | Aug 2026 | $668,000 | $402 | 4/2.5 | 1,662 | 7 | 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: PREMIER 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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Krista Fracke
Broker Associate
This home sold on Sep 14, 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
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