This home is in Neptune Beach — a home near Duncan U. Fletcher High School.
Sold·Closed Aug 21, 2026·6 days on market·Recent sales in Neptune Beach
1811 Twelve Oaks Lane N
Neptune Beach, FL 32266
About this home
Neptune Beach
**WATERFRONT**MINS FROM BEACH**FULL RENOVATION** Welcome to this gorgeous home nestled in a highly desirable community of Neptune Beach. This 4 bed/2.5 bath residence features TWO LIVING ROOM spaces where you can enjoy the natural lighting and beautiful views of Hopkins Creek. This is an AMAZING LOCATION with NO HOA The kitchen also overlooks the water and boasts a HUGE food prep island, top of the line stainless steel appliances, and TONS OF CABINETRY. The primary suite includes a sitting area and a large closet with BUILT-IN SHELVING, A spacious laundry room with cabinetry, a new paver driveway, and a deck overlooking the water complete this gorgeous property. This house presents the opportunity to live on the water, it's just waiting for you to design the perfect pool and a new dock. With just a short bike ride from the beach you don't want to miss this one!
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1976)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water per the county inventory.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,494 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.
Sun & Light
Northwest-facing backyard — summer sunsets, gentle days
The listing reports the home facing southeast, which puts the backyard on the northwest side. Today at this address: sunrise 7:25 AM, sunset 6:59 PM.
- The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
- Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.
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 | $678,671 | $678,671 | — |
| 2024 | $642,198 | $143,943 | — |
| 2023 | $564,666 | $138,295 | — |
| 2022 | $542,980 | $132,811 | — |
| 2021 | $402,933 | $127,487 | — |
| 2020 | $394,638 | $125,037 | — |
2025 property taxes (current owner): $12,091/yr
Estimated taxes if purchased at asking price: ~$21,600/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 24, 2026Closed$1,199,000
- Jul 20, 2026Active Under Contract$1,199,000
- Jul 14, 2026Listed$1,199,000
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 $455/sq ft; this home is listed at $587/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2029 Shadow Lane, Neptune Beach, FL 32266Listed by LPT REALTY LLC | Aug 2026 | $650,000 | $346 | 3/2 | 1,881 | 103 | 0.1 |
| 1024 Neptune Lane, Neptune Beach, FL 32266Listed by SIGNATURE REALTY & MANAGEMENT | Sep 2026 | $1,100,000 | $422 | 4/3.5 | 2,605 | 90 | 0.2 |
| 1871 Kings Road, Jacksonville Beach, FL 32250Listed by MASH REALTY SERVICES, LLC | Sep 2026 | $1,200,000 | $453 | 4/3.5 | 2,647 | 4 | 0.4 |
| 1017 Hagler Drive, Neptune Beach, FL 32266Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $1,000,000 | $455 | 4/3 | 2,200 | 3 | 0.5 |
| 707 Cedar Court, Neptune Beach, FL 32266Listed by WATSON REALTY CORP | Sep 2026 | $890,000 | $517 | 4/2 | 1,720 | 4 | 0.6 |
| 416 Hopkins Street, Neptune Beach, FL 32266Listed by PREMIER REAL ESTATE | Sep 2026 | $876,000 | $561 | 4/2.5 | 1,562 | 47 | 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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHAD AND SANDY REAL ESTATE GROUP
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 Aug 21, 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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