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This home is in Neptune Beach — a home near Duncan U. Fletcher High School.

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Active Under Contract

Active Under Contract·45 days on market

2010 Tara Court

Neptune Beach, FL 32266

$1,750,000$520/sqftEst. $8,997/moMLS# 2155163

Beds

Baths

3,364

Sq Ft

2004

Built

Garage

Yes

Pool

About this home

Neptune Beach

Welcome to 2010 Tara Ct, where beach life meets boat life. Enjoy breathtaking sunsets, dock access to navigable water, and beach access just minutes away. Built in 2004, this stunning waterfront home features a sparkling pool and spa, expansive outdoor living and gathering spaces, and a summer kitchen and bar overlooking the Intracoastal -- perfect for entertaining. The gourmet kitchen anchors the home with double sinks, a large island, gas cooktop, warming drawer, and abundant storage. The first-floor primary suite offers his-and-hers closets, a spa-like bath with steam shower, jetted tub, and separate vanities. Two additional guest suites and a versatile bonus room -- easily converted to a 4th bedroom -- offer flexibility for family or guests, complete with a private balcony. Community dock access was purchased by the owner and can hold an 18'-25' boat. New roof 2022. Don't miss your chance to own this exceptional waterfront retreat. Make Sunset Point-Neptune Beach your new home toda

Cost to own

Mortgage calculator

Home Price

$1,750,000

Down Payment: 20%

$350,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$8,997

Principal & Interest: $8,997

Property taxes (est.): $2,858

Insurance (est.): $1,167

Estimated Total Monthly

$13,021

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$8,997

Property taxesest. at asking price, Duval County$2,857

HOAbilled annually$67

Estimated total, before insurance$11,921/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$13,411/yr · $1,118/mo

• 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

2025 property taxes (current owner): $13,411/yr

Estimated taxes if purchased at asking price: ~$34,300/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, NEFMLS.

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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — 2022 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: ~1,726 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 home

As 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 26, 2026Active Under Contract$1,750,000
Jul 13, 2026Listed$1,750,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,750,000

Price / Sq Ft$520

Bedrooms3

Bathrooms4.00

Full Baths4

Square Footage3,364

Acres0.48 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Gas Heat, Pool Sweep

Is WaterfrontYes

Direction FacesEast

School Information

ElementaryNeptune Beach

HighDuncan Fletcher

Community Information

Address2010 Tara Court, Neptune Beach, FL 32266

Area222-Neptune Beach-West

SubdivisionSunset Point

CityNeptune Beach

CountyDuval

StateFL

Zip Code32266

Lot Size20,908.8 sq ft

Parcel Number1774750035

ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewIntracoastal, Water

Waterfront TypeIntracoastal, Marsh, Navigable Water

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s), Wet Bar

AppliancesConvection Oven, Disposal, Electric Oven, Freezer, Gas Cooktop, Ice Maker, Microwave, Refrigerator, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryLower Level, Sink

SecuritySmoke Detector(s)

Spa FeaturesIn Ground