This home is in Neptune Beach.
Sold·Closed Aug 24, 2026·7 days on market·Recent sales in Neptune Beach
518 Rosebud Lane
Neptune Beach, FL 32266
About this home
Neptune Beach
TAKING BACKUP OFFERS! Imagine starting your mornings with a bike ride to the beach and ending your evenings beneath your own fruit trees. Homes in this established Neptune Beach neighborhood rarely become available, offering a unique opportunity to enjoy the coastal lifestyle so many dream about. Just a short bike ride from the beach via the Penman Road bike path and Florida Boulevard beach access, you'll love being minutes from Neptune Beach Elementary, Jarboe Park, local restaurants, shopping, and everyday conveniences. This charming 3 bedroom, 2 bath cedar sided home is full of character and offers the perfect opportunity to make it your own. The spacious backyard is a true Florida oasis featuring mature, fruit producing peach, avocado, banana, pear, plum, lemon, and clementine trees, with plenty of room to add a pool. Whether you're searching for a primary residence, beach retreat, or investment opportunity, this home offers endless potential. Lot Size- *110' x 112' *
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 — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
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: material not specified — year not disclosed (home built 1980)
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: ~1,481 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $10,674/yr
Estimated taxes if purchased at asking price: ~$12,100/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.
History
Price & status history
- Aug 24, 2026Closed$599,999
- Jul 24, 2026Active Under Contract$599,999
- Jul 17, 2026Active$599,999
- Jul 16, 2026Listed$599,999
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 $370/sq ft; this home is listed at $344/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 707 Cedar Court, Neptune Beach, FL 32266Listed by WATSON REALTY CORP | Sep 2026 | $890,000 | $517 | 4/2 | 1,720 | 4 | 0.3 |
| 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 |
| 1821 Leeward Lane, Neptune Beach, FL 32266Listed by LATITUDE 30 REALTY LLC | Sep 2026 | $630,000 | $338 | 4/3 | 1,863 | 62 | 0.4 |
| 317 Sunrise Circle, Neptune Beach, FL 32266Listed by COMPASS FLORIDA LLC | Aug 2026 | $420,000 | $301 | 2/2.5 | 1,396 | 39 | 0.4 |
| 1312 Jenks Court, Neptune Beach, FL 32266Listed by PONTE VEDRA PALM VALLEY REAL ESTATE COMPANY LLC | Sep 2026 | $740,000 | $370 | 4/2 | 1,999 | 79 | 0.5 |
| 310 Skate Road, Atlantic Beach, FL 32233Listed by NON MLS (realMLS) | Aug 2026 | $375,000 | $261 | 3/1.5 | 1,436 | 3 | 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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLUID REALTY, LLC.
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.
Keep looking
Similar homes in Neptune Beach
Explore the area
More in Neptune Beach
Neptune Beach guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 24, 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