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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Neptune Beach.

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Active

Active·9 days on market

1917 1st Street

Neptune Beach, FL 32266

$1,245,000Est. $6,593/moMLS# 2164425
0
Beds
0
Baths
0
Sq Ft
Built
Garage
No
Pool
FEMA Zone XNo HOA4,356 sqft lotUnimproved Land

About this home

Neptune Beach

Rare opportunity to own a 60' x 70' lot in highly desirable Neptune Beach. Ideally located near the ocean, local restaurants, shopping, and the Beaches Town Center, this property offers excellent potential for a custom coastal residence or investment opportunity. Enjoy the relaxed beach lifestyle in one of Northeast Florida's most sought-after communities. Buyer to verify zoning, building requirements, and lot dimensions.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$6,593
Property taxesest. at asking price, Duval County$2,033
Estimated total, before insurance$8,626/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$13,482/yr · $1,123/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,245,000
$249,000
Loan Term
Monthly Payment
$6,593
Principal & Interest: $6,593
Property taxes (est.): $2,033
Insurance (est.): $830
Estimated Total Monthly
$9,456
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified

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: ~1,794 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 September 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): $13,482/yr

Estimated taxes if purchased at asking price: ~$24,400/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 11, 2026Listed$1,245,000

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

Features

Price$1,245,000
Bedrooms0
Bathrooms0.00
Full Baths0
Acres0.10 acres
TypeLand
Sub-TypeUnimproved Land
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address1917 1st Street, Neptune Beach, FL 32266
Area221-Neptune Beach-East
SubdivisionBowes Oceanview
CityNeptune Beach
CountyDuval
StateFL
Zip Code32266
Lot Size4,356 sq ft
Lot Dimensions60 * 70
Parcel Number1737390000
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic

Exterior

Lot DescriptionCorner Lot
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedSeptember 11, 2026
Days on Market0
Tax Amount$13,481.69
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY · tracey@letsmovewithtracey.com

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.

Your Local Realtor

Krista Fracke - Broker Associate

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.

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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.

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