This home is in Neptune Beach.
Active·1 day on market
136 Bowles 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
Discover the potential of this charming Neptune Beach home, ideally located just steps from the ocean. Ready for renovation or offering the perfect opportunity to build your dream coastal home, this property is full of possibilities. Featuring an open floor plan, a spacious deck perfect for enjoying the ocean breezes, 4 bedrooms, 3 full and 1 half bath and a full garage, Fenced back yard. This home offers the ideal setting for relaxed beach living. Enjoy a fantastic location close to the town center, local parks, and A-rated schools. Whether you're looking to renovate, invest, or create your own coastal retreat, this is a rare opportunity to make the most of life at the beach!
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: material not specified — year not disclosed (home built 1991)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,688 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
Bowie Stabout 0.1 mi · 4 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $16,370/yr
Estimated taxes if purchased at asking price: ~$30,900/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 22, 2026Listed$1,575,000
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 $517/sq ft; this home is listed at $694/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 541 Myra Street, Neptune Beach, FL 32266Listed by DJ & LINDSEY REAL ESTATE | Oct 2026 | $660,000 | $356 | 4/2 | 1,854 | 5 | 0.4 |
| 569 Myra Street, Neptune Beach, FL 32266Listed by OMNI REALTY GROUP OF NORTH FLORIDA INC | Oct 2026 | $1,690,000 | $615 | 3/3 | 2,750 | 85 | 0.4 |
| 515 3rd Street, Neptune Beach, FL 32266Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $1,450,000 | $898 | 3/2.5 | 1,615 | 86 | 0.5 |
| 1024 Neptune Lane, Neptune Beach, FL 32266Listed by SIGNATURE REALTY & MANAGEMENT | Sep 2026 | $1,100,000 | $422 | 4/3.5 | 2,605 | 90 | 0.7 |
| 524 16th Avenue N, Jacksonville Beach, FL 32250Listed by 1 PERCENT LISTS FIRST COAST | Sep 2026 | $735,000 | $460 | 4/3 | 1,598 | 8 | 0.7 |
| 707 Cedar Court, Neptune Beach, FL 32266Listed by WATSON REALTY CORP | Sep 2026 | $890,000 | $517 | 4/2 | 1,720 | 4 | 0.7 |
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: WATSON REALTY CORP
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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Your Local Realtor
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
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