Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Neptune Beach.

Active

Active·Listed today

2115 Bartolome Road

Neptune Beach, FL 32266

$895,000$412/sqftEst. $4,606/moMLS# 2159669

Beds

Baths

2,170

Sq Ft

2016

Built

Garage

Pool

About this home

Neptune Beach

Professional pictures coming soon Live the Neptune Beach lifestyle! Just a short bike ride from the ocean, this beautiful 5-bedroom, 3-bath home offers the space, location, and coastal lifestyle you've been looking for. Built in 2016 and tucked away on a cul-de-sac, the home features a bright, open floor plan with soaring ceilings, abundant natural light, and a spacious kitchen that flows seamlessly into the living and dining areas. A first-floor bedroom and full bath offer added flexibility for guests or a home office. Upstairs, the spacious primary suite steals the show with tray ceilings, a walk-in closet, beautifully tiled shower, dual vanities, and a private balcony. Three additional bedrooms, a full bath, and upstairs laundry complete the second floor. Add a two-car garage with plenty of room for bikes and beach gear, and you're ready to start living the beach life!

Cost to own

Mortgage calculator

Home Price

$895,000

Down Payment: 20%

$179,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$4,606

Principal & Interest: $4,606

Property taxes (est.): $1,461

Insurance (est.): $597

Estimated Total Monthly

$6,664

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$4,606

Property taxesest. at asking price, Duval County$1,461

Estimated total, before insurance$6,067/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,885/yr · $990/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

Year	Market value	Taxable value	Change
2025	$667,067	$667,067	—
2024	$610,670	$528,275	—
2023	$480,250	$480,250	—
2022	$455,062	$446,400	—
2021	$405,819	$405,819	—
2020	$355,531	$305,531	—

2025 property taxes (current owner): $11,885/yr

Estimated taxes if purchased at asking price: ~$17,500/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.

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: material not specified — year not disclosed (home built 2016)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Public water (record)

Municipal drinking water per the county inventory.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,646 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 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 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

Aug 14, 2026Active$895,000
Aug 11, 2026Listed$895,000

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

Features

Price$895,000

Price / Sq Ft$412

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,170

Acres0.12 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address2115 Bartolome Road, Neptune Beach, FL 32266

Area222-Neptune Beach-West

SubdivisionPrado Ferrer

CityNeptune Beach

CountyDuval

StateFL

Zip Code32266

Lot Size5,227.2 sq ft

Parcel Number1734000002

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Primary Bathroom - Shower No Tub, Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave

HeatingCentral

CoolingCentral Air

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Upper Level, Washer Hookup

SecuritySecurity System Owned, Smoke Detector(s)