1108 Cedar St, Neptune Beach, FL 32266 Property Records

Duval County property record for 1108 Cedar St, Neptune Beach, FL 32266

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,702 sqft · built 1962
Lot Size	0.383 acres (16,693 sqft)
Owner	2 Individual Names on File
Last Sale	$80,000 (Jul 1995)
Tax Bill	$1,773 (2025)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`178921-0000`

Property Details

APN / Parcel Number

Primary APN	`178921-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,702 sqft Living Area
Gross Area	2,416 sqft
1st Floor Area	1,702 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1990
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	16,693 sqft (0.383 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Finished/Open Porch
Porch Area	204 sqft
Deck Area	520 sqft
Patio Area	520 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	1108 CEDAR ST
City	NEPTUNE BEACH
State	FL
Zip	32266-3750
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR-2
Legal Description	31-8 38-2S-29E OCEANWOOD REPLAT LOT 17 BLK 4
Legal Range	29E
Legal Township	02S
Legal Section	38
Legal Subdivision	OCEANWOOD R/P
Legal Block	4
Legal Lot Number	17
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE BEACHES
Census Block Group	1
Census Block	1022
Census Tract	14001

Owner

1108 Cedar St is owned and occupied by two individuals who acquired it in January 2011.

Source: Duval County records, as of September 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1108 CEDAR ST, NEPTUNE BEACH, FL 32266-3750
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 1995 · Amount on File
Deed Sale	Jul 18, 1995 · Amount on File
Deed Document Number	1995135546
Deed Book / Page	8132 / 2286
Last Transfer Date	Jan 12, 2011
Transfer Doc	0154882027
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	1108 CEDAR ST, NEPTUNE BEACH, FL 32266-3750
Transaction Type	Mortgage
Record Updated	Aug 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 CEDAR ST, NEPTUNE BEACH, FL 32266-3750

Mortgage

Document Number	0198451178
Date	Aug 4, 2021
Book Page	19845/1178
Instrument	2021199849

Lender

Name	JAX FCU
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 1108 Cedar St was $1,773 with a homeowner's exemption, up 3% from the year before.

Source: Duval County assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Duval County
Municipality	Neptune Beach City
Unified School District	Duval County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$144,937 (+2.7%)	$669,370 (+14.18%) Land $450,741 Building $218,629
2025	$1,773.00 (+3.02%) Homeowner's exemption	$141,127	$586,264 Land $432,600 Building $153,664
2024	$1,721.00 (+3.67%)
2023	$1,660.00 (+11.19%) Homeowner's exemption	$133,156 (+3%)	$503,785 (+1.66%) Land $309,000 Building $194,785
2022	$1,493.00 Homeowner's exemption	$129,278	$495,545 Land $288,400 Building $207,145

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1108 Cedar St in Zone X, an area of minimal flood risk, though there have been 55 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective June 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 312 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	312 in force
Nearby Flood Claims	55 (1978–2024)
Claims Outside the SFHA	46 of 55
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Irma, Sep 2017 · 4 claims Tropical Storm Debby, Jun 2012 · 4 claims Tropical Storm Fay, Aug 2008 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1108 Cedar St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NEPTUNE BEACH serves 7,270 people · EPA ID FL2160206
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20