This home is in Neptune Beach.
Active·2 days on market
1411 3rd 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
Coastal living meets investment opportunity at 1409-1411 3rd Street in Neptune Beach! Located on the east side of 3rd Street, just a short walk from the beach, this duplex offers flexibility for investors or buyers looking to live in one unit and rent the other. One unit has been renovated and is move-in ready, while the second offers an opportunity to add value with new flooring, appliances, and HVAC replacement. A private, fenced rear yard provides space for grilling, relaxing, or enjoying the Florida sunshine. Low-maintenance Hardie board siding and a roof replaced in 2018 add to the property's appeal. Situated between Jacksonville Beach and Atlantic Beach, this Neptune Beach location combines access to beach activities with a neighborhood feel. Whether you're expanding your rental portfolio or seeking a home with rental income potential, this duplex deserves a look!
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 (that applies to the reference bill above too).
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — 2018 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,773 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 October 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach access
Florida Stabout 0.2 mi · 3 parking spaces
Closest park or preserve
Dutton Island Preserve13 min drive · 1.2 mi of trails
Closest public boat ramp
Oak Harbor Boat Ramp (Restricted to shallow draft boats)about 4 mi · Atlantic ICW (Duval County)
Closest kayak & paddleboard launch
Tide Views Preserve Canoe Landing (Long Portage!)about 2 mi · Pablo Creek
Closest youth league fields
Fletcher High School Pool4 min drive · Baseball, Basketball, Football, Soccer, Volleyball, Lacrosse, Swimming
Closest grocery store
Publix6 min drive · 580 Atlantic Blvd, Neptune Beach
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:34 AM, sunset 6:45 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
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.
Cost to own
Taxes & assessment
2026 property taxes (current owner): $10,983/yr
Estimated taxes if purchased at asking price: ~$19,100/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
- Oct 21, 2026Listed$975,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $588/sq ft; this home is listed at $508/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 230 Margaret Street, Neptune Beach, FL 32266Listed by KST GROUP LLC | Sep 2026 | $1,200,000 | $588 | 4/4 | 2,040 | 50 | 0.3 |
| 918 First Street, Neptune Beach, FL 32266Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Feb 2026 | $1,310,000 | $613 | 6/3 | 2,138 | 53 | 0.3 |
| 2016 1st Street, Neptune Beach, FL 32266Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Feb 2026 | $922,000 | $549 | 4/0 | 1,680 | 51 | 0.3 |
| 301 Pine Street, Neptune Beach, FL 32266Listed by COMPASS FLORIDA LLC | Jul 2025 | $1,000,000 | $434 | 5/0 | 2,304 | 0 | 0.3 |
| 200 Hopkins Street, Neptune Beach, FL 32266Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jan 2026 | $1,200,000 | $588 | 4/0 | 2,042 | 77 | 0.4 |
| 2219 Pine Place Place, Neptune Beach, FL 32266Listed by THE LEGENDS OF REAL ESTATE | Jun 2025 | $650,000 | $361 | 4/3 | 1,800 | 95 | 1.6 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BENCHMARK BROKERS, INC
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
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