This home is in Neptune Beach — a pool home in Jacksonville.
Active·45 days on market
412 South Street
Neptune Beach, FL 32266
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Neptune Beach
Don't miss this beautifully renovated one-story Neptune Beach home, ideally located just three blocks from the beach and within easy walking distance to the Atlantic Beach Town Center. Combining timeless character with thoughtful modern updates, this warm and inviting beach home offers the perfect blend of comfort, style, and coastal living. The main home offers four bedrooms and three full bathrooms (1691sq ft), while the detached guest/pool house adds a fifth bedroom (or office/flex space) and fourth full bathroom (add'l 280 sq ft!). The versatile guest house includes a custom Murphy bed, making it ideal for visiting family and friends, a private retreat, home office, or flexible living space. This home exudes warmth & character with neutral, inviting tones, custom paint, and original wood flooring throughout.
Next steps in Neptune Beach
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.
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 (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: Shingle — year not disclosed (home built 1956)
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: ~1,744 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 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard and pool on the south side. Today at this address: sunrise 7:22 AM, sunset 7:05 PM.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
History
Price & status history
- Sep 29, 2026Price change$1,399,000−$51,000
- Aug 22, 2026Listed$1,450,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
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.
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Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines