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Active·Listed today

707 Cedar Court

Neptune Beach, FL 32266

$925,000$538/sqftEst. $4,751/moMLS# 2161288

Beds

Baths

1,720

Sq Ft

1986

Built

Garage

Pool

About this home

Neptune Beach

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!

Cost to own

Mortgage calculator

Home Price

$925,000

Down Payment: 20%

$185,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$4,751

Principal & Interest: $4,751

Property taxes (est.): $1,510

Insurance (est.): $617

Estimated Total Monthly

$6,878

*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$4,751

Property taxesest. at asking price, Duval County$1,510

HOAbilled annually$8

Estimated total, before insurance$6,269/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,596/yr · $466/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): $5,596/yr

Estimated taxes if purchased at asking price: ~$18,100/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1986)

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

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 home

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 21, 2026Listed$925,000

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

Features

Price$925,000

Price / Sq Ft$538

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,720

Acres0.31 acres

Year Built1986

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address707 Cedar Court, Neptune Beach, FL 32266

Area222-Neptune Beach-West

SubdivisionNeptune By The Sea

CityNeptune Beach

CountyDuval

StateFL

Zip Code32266

Lot Size13,503.6 sq ft

Parcel Number1724031024

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic, Well

ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Oven, Electric Water Heater, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup