This home is in Neptune By The Sea, Neptune Beach.
Sold·Closed Sep 24, 2026·4 days on market·Recent sales in Neptune By The Sea·Neptune By The Sea
707 Cedar Court
Neptune Beach, FL 32266
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About this home
Neptune By The Sea
WELCOME HOME TO your cozy beach house! Beautiful 4BR/2BA home in desirable Neptune by the Sea, located just a few blocks from the beach! The remodeled kitchen features white cabinetry, light granite countertops, stainless steel appliances, tile flooring, an island, and an eat-in area, opening to the living and dining spaces. Spacious primary suite with remodeled bath. Enjoy outdoor living with a paver driveway, large paver patio, firepit, and spacious backyard on a generous cul-de-sac lot. Spacious detached building with its own front covered porch comes with electricity and A/C and offers flexible space for a studio, man cave, she shed, or additional entertaining area. (Add in plumbing and it could be used as a guest house). Two-car garage plus a new roof on the detached garage/building. A great opportunity to enjoy the coastal lifestyle in a highly desirable location!
Next steps in Neptune By The Sea
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 B
Zone B evacuates after zone A in an approaching storm.
Roof: Shingle — year not disclosed (home built 1986)
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: ~1,407 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 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $5,596/yr
Estimated taxes if purchased at asking price: ~$17,400/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 29, 2026Closed$925,000
- Aug 26, 2026Active Under Contract$925,000
- Aug 21, 2026Listed$925,000
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 $538/sq ft; this home is listed at $538/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1017 Hagler Drive, Neptune Beach, FL 32266Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $1,000,000 | $455 | 4/3 | 2,200 | 3 | 0.2 |
| 518 Rosebud Lane, Neptune Beach, FL 32266Listed by FLUID REALTY, LLC. | Aug 2026 | $619,750 | $356 | 3/2 | 1,743 | 7 | 0.3 |
| 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 | 0.5 |
| 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 | 0.6 |
| 162 Belvedere Street, Atlantic Beach, FL 32233Listed by REAL BROKER LLC | Sep 2026 | $625,000 | $487 | 3/2 | 1,284 | 3 | 0.6 |
| 1811 Twelve Oaks Lane N, Neptune Beach, FL 32266Listed by CHAD AND SANDY REAL ESTATE GROUP | Aug 2026 | $1,100,000 | $538 | 4/2.5 | 2,043 | 6 | 0.6 |
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: WATSON REALTY CORP
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.
The neighborhood
About Neptune By The Sea
Neptune By The Sea is a neighborhood in Neptune Beach, FL (Duval County), ZIP 32266.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 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