This home is in Neptune Beach — a pool home in Jacksonville.
Sold·Closed Aug 7, 2026·33 days on market·Recent sales in Neptune Beach
545 South Street
Neptune Beach, FL 32266
About this home
Neptune Beach
Thoughtfully renovated inside and out, this Neptune Beach home is just 5 blocks from the ocean. The low-maintenance backyard retreat features a heated pool and spa, cabana with half bath and sunshade drop screens, gas grill hookup, mosquito misting system, artificial turf, 10+ palm trees, landscape lighting, and a covered breezeway connecting it all. Inside you'll find 4 bdr/2 ba, interior laundry, and an open floor plan filled with natural light. Major upgrades include a one-car garage with epoxy floors, all-new plumbing and electrical (2022), Andersen windows, water softener, and outdoor shower. The custom kitchen offers quartz countertops, waterfall island, Café appliances, and a 6-burner gas range. A reclaimed 200-year-old pecky cypress beam and solid wood doors add warmth and character. Custom paver driveway offers ample parking.
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: material not specified — year not disclosed (home built 1955)
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: ~1,651 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.
Cost to own
Taxes & assessment
Last sold: $975,000 in July 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $940,023 | $841,425 | — |
| 2024 | $867,004 | $817,004 | ▼ $2,338 |
| 2023 | $812,727 | $747,181 | — |
| 2022 | $437,309 | $437,309 | — |
| 2021 | $357,226 | $357,226 | — |
| 2020 | $332,876 | $332,876 | — |
2025 property taxes (current owner): $15,154/yr
Estimated taxes if purchased at asking price: ~$28,400/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.
History
Price & status history
- Aug 11, 2026Closed$1,450,000
- Jun 28, 2026Listed$1,450,000
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 $538/sq ft; this home is listed at $742/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 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 |
| 416 Hopkins Street, Neptune Beach, FL 32266Listed by PREMIER REAL ESTATE | Sep 2026 | $876,000 | $561 | 4/2.5 | 1,562 | 47 | 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 |
| 515 3rd Street, Neptune Beach, FL 32266Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $1,450,000 | $898 | 3/2.5 | 1,615 | 86 | 0.5 |
| 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 | 0.6 |
| 524 16th Avenue N, Jacksonville Beach, FL 32250Listed by 1 PERCENT LISTS FIRST COAST | Sep 2026 | $735,000 | $460 | 4/3 | 1,598 | 8 | 0.7 |
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
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: HOVER GIRL PROPERTIES
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 Aug 7, 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