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 — a new construction home in Jacksonville.

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Active·1 day on market

572 Seagate Avenue

Neptune Beach, FL 32266

$1,199,900$473/sqftEst. $6,175/moMLS# 2159683

Beds

Baths

2,539

Sq Ft

2026

Built

Garage

Pool

About this home

Neptune Beach

NEW CONSTRUCTION IN NEPTUNE BEACH!!! Your opportunity to build a stunning new custom home just five blocks from the ocean. Permits are fully approved, the lot has been cleared, and ready to break ground as soon as your design selections are finalized. This thoughtfully designed four-bedroom home offers a beautiful blend of coastal style, luxury, and functionality. The welcoming front office features oversized windows, while the main living area makes a dramatic statement with 20-foot vaulted ceilings accented by a striking wood beam. Wood flooring flows throughout the home, complemented by custom cabinetry, a brick fireplace, and matching French doors that create an inviting and sophisticated atmosphere. The luxurious primary suite features dual walk-in closets and an oversized walk-in shower, providing the perfect private retreat. Build time is approximately seven months and you could be enjoying your brand-new home in time to make the most of coastal living.

Cost to own

Mortgage calculator

Home Price

$1,199,900

Down Payment: 20%

$239,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$6,175

Principal & Interest: $6,175

Property taxes (est.): $1,959

Insurance (est.): $800

Estimated Total Monthly

$8,934

*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$6,175

Property taxesest. at asking price, Duval County$1,959

Estimated total, before insurance$8,134/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$17,011/yr · $1,418/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	$954,783	$954,783	—
2024	$898,046	$898,046	—
2023	$938,842	$938,842	—
2022	$940,327	$284,680	—
2021	$746,659	$274,933	—
2020	$688,299	$270,447	—

2025 property taxes (current owner): $17,011/yr

Estimated taxes if purchased at asking price: ~$23,500/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Metal, Shingle — year not disclosed (home built 2026)

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: ~1,796 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