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This home is in Neptune Beach — a pool home in Jacksonville.

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Active

Active·Listed today

412 South Street

Neptune Beach, FL 32266

$1,450,000$736/sqftEst. $7,447/moMLS# 2161354

Beds

Baths

1,971

Sq Ft

1956

Built

—

Garage

Yes

Pool

About this home

Neptune Beach

OPEN HOUSE SATURDAY 2-4 & SUNDAY 1-3! 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.

Cost to own

Mortgage calculator

Home Price

$1,450,000

Down Payment: 20%

$290,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$7,447

Principal & Interest: $7,447

Property taxes (est.): $2,368

Insurance (est.): $967

Estimated Total Monthly

$10,781

*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$7,447

Property taxesest. at asking price, Duval County$2,368

Estimated total, before insurance$9,814/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.

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 1956)

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

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 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 22, 2026Listed$1,450,000

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

Features

Price$1,450,000

Price / Sq Ft$736

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage1,971

Year Built1956

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Salt Water

Is WaterfrontNo

Direction FacesNorth

Community Information

Address412 South Street, Neptune Beach, FL 32266

Area222-Neptune Beach-West

SubdivisionMerimar By The Sea

CityNeptune Beach

CountyDuval

StateFL

Zip Code32266

Lot Dimensions50x130

Parcel Number173230-0000

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Guest Suite, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air

FlooringTile, Wood

# of Stories1

LevelsOne

LaundryIn Unit