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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 a home near Duncan U. Fletcher High School.

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Active

Active·1 day on market

1970 Tara Court

Neptune Beach, FL 32266

$1,100,000$396/sqftEst. $5,825/moMLS# 2165425
Open house Sat, Sep 19 · 12:00 pm–2:00 pm
3
Beds
2.5
Baths
2,781
Sq Ft
2005
Built
2.5
Garage
No
Pool
FEMA Zone XHOA $73/mo13,068 sqft lotSingle Family Residence2 stories

About this home

Neptune Beach

Looking for the ultimate beach lifestyle with room to breathe? This stunning 2,781 sq. ft. 3 Bedroom 2.5 Bath coastal home has it all! Built in 2005 this home has a modern open floor plan with spacious rooms and high ceilings. Open kitchen overlooking the living room features a new stovetop and oven. Formal dining room or breakfast nook by the kitchen for dining options. Piano room currently / may convert to a spacious office located in the front of the house with a large window, very light and bright! The spacious main bedroom is located downstairs , large master bath with separate shower and garden tub. .An oversized large garage featuring a separate golf cart door--perfect for the Neptune Beach lifestyle!Prime location tucked near the ICW waterway, minutes to the beach, and walking/biking distance to excellent schools.Cruise to the beaches or the town center easily from this location! Call today for a showing!

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$5,825
Property taxesest. at asking price, Duval County$1,796
HOAbilled annually$73
Estimated total, before insurance$7,694/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,508/yr · $709/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

$1,100,000
$220,000
Loan Term
Monthly Payment
$5,825
Principal & Interest: $5,825
Property taxes (est.): $1,796
Insurance (est.): $733
Estimated Total Monthly
$8,355
*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 — year not disclosed (home built 2005)

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: ~1,503 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): $8,508/yr

Estimated taxes if purchased at asking price: ~$21,600/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 18, 2026Listed$1,100,000

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

Features

Price$1,100,000
Price / Sq Ft$396
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,781
Total Structure Area3,741 sq ft
Acres0.30 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2.5
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address1970 Tara Court, Neptune Beach, FL 32266
Area222-Neptune Beach-West
SubdivisionSunset Point
CityNeptune Beach
CountyDuval
StateFL
Zip Code32266
Lot Size13,068 sq ft
Parcel Number1774750055
ZoningResidential

Amenities

UtilitiesCable Available
Water SourcePublic
ParkingGarage

Interior

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Cooktop, Microwave, Refrigerator
HeatingHeat Pump
CoolingCentral Air
# of Stories2

Additional Information

Date ListedSeptember 18, 2026
Days on Market1
HOA Fees$875 / Annually
HOA FrequencyAnnually
Tax Amount$8,508.13
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY · gary.denman@floridanetworkrealty.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?

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Open Houses

9/19/2026

12:00 pm - 2:00 pm