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 home near Duncan U. Fletcher High School.

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Active

Active·2 days on market

132 Hopkins Street

Neptune Beach, FL 32266

$1,990,000$465/sqftEst. $10,220/moMLS# 2160765

Beds

Baths

4,280

Sq Ft

2003

Built

3.5

Garage

Pool

About this home

Neptune Beach

Hey beach lovers, this may be for you! Just steps from the sunlit shores of Neptune Beach, one of Jacksonville's most charming neighborhood beaches, sits this extraordinary property - a duplex which may appeal to primary users who wish to live in the 3++ bd unit (occupying the 2nd and 3rd floors) which lives like a home while renting out the highly appealing 2/2 bd 1st floor unit. This is not your typical Neptune Bch duplex property as it was built in 2003 with modern living spaces in mind. Totaling 5 bedrooms plus 2 flex spaces and 4.5 baths, this duplex features a total of 4280 sf, fabulous second and third floor balconies with ocean view, an elevator serving the upstairs residence AND garages for EACH unit (2+ car garage for the upstairs larger unit and 1 car for the 1st floor unit). Each garage opens directly into its own residence. ** PLS CLICK ON THE VIDEO TOUR AND GO TO DOCUMENTS TO VIEW THE FLOORPLAN - IT WILL HELP ** Please see supplement for continued features and details.

Cost to own

Mortgage calculator

Home Price

$1,990,000

Down Payment: 20%

$398,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$10,220

Principal & Interest: $10,220

Property taxes (est.): $3,249

Insurance (est.): $1,327

Estimated Total Monthly

$14,796

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$10,220

Property taxesest. at asking price, Duval County$3,249

Estimated total, before insurance$13,469/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$27,789/yr · $2,316/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

2025 property taxes (current owner): $27,789/yr

Estimated taxes if purchased at asking price: ~$39,000/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.

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: Shingle — year not disclosed (home built 2003)

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: ~1,824 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 19, 2026Listed$1,990,000

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

Features

Price$1,990,000

Price / Sq Ft$465

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage4,280

Acres0.12 acres

Year Built2003

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3.5

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryNeptune Beach

MiddleMayport

HighDuncan Fletcher

Community Information

Address132 Hopkins Street, Neptune Beach, FL 32266

Area221-Neptune Beach-East

SubdivisionNeptune Beach

CityNeptune Beach

CountyDuval

StateFL

Zip Code32266

Lot Size5,227.2 sq ft

Lot Dimensions50 x 105

Parcel Number1737460010

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener, Shared Driveway

ViewOcean

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Elevator, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Zoned

CoolingCentral Air, Electric, Multi Units, Zoned

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories3

LevelsThree Or More

LaundryElectric Dryer Hookup, In Unit, Lower Level, Sink, Upper Level, Washer Hookup