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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·Listed today

2111 3rd Street

Neptune Beach, FL 32266

$1,100,000$477/sqftEst. $5,872/moMLS# 2167165
4
Beds
3
Baths
2,304
Sq Ft
1979
Built
2
Garage
No
Pool
No HOA4,792 sqft lotDuplex2 stories

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 333-8595 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Neptune Beach

Amazing opportunity to own two attached townhomes east of 3rd Street in highly desirable Neptune Beach--just three blocks from the ocean! Whether you're looking for an investment, multigenerational living, or the perfect opportunity to live at the beach while generating rental income next door, this unique property offers incredible flexibility. Each townhome features a mirror-image 2-bedroom, 1.5-bath layout with its own spacious backyard offering plenty of room for outdoor living, entertaining, gardening, or simply enjoying the Florida lifestyle. Even better, the major improvements have already been taken care of, including updates to the roof, A/C, and landscaping. The right-side townhome is currently leased for $2,300 per month, providing immediate rental income. With a 28-day minimum lease term, there is also excellent potential for furnished or extended-stay rentals, including patients and visitors traveling to Mayo Clinic and Jacksonville's many other medical facilities.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$5,872
Property taxesest. at asking price, Duval County$1,796
Estimated total, before insurance$7,669/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,227/yr · $936/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
$5,872
Principal & Interest: $5,872
Property taxes (est.): $1,796
Insurance (est.): $733
Estimated Total Monthly
$8,402
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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 1979)

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

Solar potential: ~1,798 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $11,227/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 30, 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$477
Bedrooms4
Bathrooms3.00
Full Baths2
Half Baths2
Square Footage2,304
Acres0.11 acres
Year Built1979
TypeResidential Income
Sub-TypeDuplex
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address2111 3rd Street, Neptune Beach, FL 32266
Area221-Neptune Beach-East
SubdivisionJax Beach Park
CityNeptune Beach
CountyDuval
StateFL
Zip Code32266
Lot Size4,791.6 sq ft
Parcel Number1734480000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryIn Garage

Exterior

Lot DescriptionOther
FencingFull, Privacy, Vinyl
RoofShingle
ConstructionStucco
Road FrontageCity Street

Additional Information

Date ListedSeptember 30, 2026
Days on Market0
Tax Amount$11,226.96
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

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

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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