This home is in Neptune Beach — a home near Duncan U. Fletcher High School.
$1,499,900Active Under Contract3 bd · 3 ba · 2,040 sq ft
Active Under Contract·92 days on market
525 2nd Street
Neptune Beach, FL 32266
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About this home
Neptune Beach
Coastal charm meets timeless elegance just two blocks from the Atlantic Ocean. This beautifully maintained home offers the rare combination of classic character, exceptional condition and desirable north beaches location. Inside, you'll find a spacious and versatile floor plan featuring two private primary suites, making it ideal for multigenerational living or hosting guests. One primary suite includes an adjoining sitting room that can easily be converted into a fourth bedroom, nursery, home office, or fitness space to suit your lifestyle. Designed for both everyday living and entertaining, the home opens to a beautifully landscaped backyard oasis complete with mature tropical landscaping and inviting outdoor living spaces plus a second floor open air lanai, providing a peaceful escape. Leave the car behind and enjoy easy walks or bike rides to the beach, neighborhood parks, and the vibrant Beaches Town Center.
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 1940)
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: ~1,697 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 August 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach access
Myrtle Stabout 0.1 mi · 8 parking spaces
Closest park or preserve
Dutton Island Preserve13 min drive · 1.2 mi of trails
Closest public boat ramp
Oak Harbor Boat Ramp (Restricted to shallow draft boats)about 3 mi · Atlantic ICW (Duval County)
Closest kayak & paddleboard launch
Tide Views Preserve Canoe Landing (Long Portage!)about 2 mi · Pablo Creek
Closest youth league fields
Fletcher High School Pool4 min drive · Baseball, Basketball, Football, Soccer, Volleyball, Lacrosse, Swimming
Closest grocery store
Publix6 min drive · 580 Atlantic Blvd, Neptune Beach
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $10,734/yr
Estimated taxes if purchased at asking price: ~$29,400/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, NEFMLS.
History
Price & status history
- Sep 10, 2026Active Under Contract$1,499,900
- Aug 19, 2026Price change$1,499,900−$49,100
- Aug 7, 2026Active$1,549,000
- Jul 31, 2026Listed$1,549,000
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 $640/sq ft; this home is listed at $735/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 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 | 0.1 |
| 278 1st Street, Atlantic Beach, FL 32233Listed by KST GROUP LLC | Oct 2026 | $1,695,000 | $723 | 3/2.5 | 2,346 | 14 | 0.4 |
| 57 Sherry Drive, Atlantic Beach, FL 32233Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $1,380,000 | $640 | 3/2.5 | 2,155 | 22 | 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 |
| 1017 Hagler Drive, Neptune Beach, FL 32266Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $1,000,000 | $455 | 4/3 | 2,200 | 3 | 0.6 |
| 1914 1st Street, Neptune Beach, FL 32266Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $1,125,000 | $549 | 4/3 | 2,048 | 154 | 0.8 |
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: OCEANSIDE 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
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines