Duval County property record for 1320 3rd St, Neptune Beach, FL 32266
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,425 sqft · built 1956 |
| Lot Size | 0.152 acres (6,611 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $562,000 (Aug 2023) |
| Tax Bill | $9,547 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Aug 2023 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 173231-0000 |
| Primary APN | 173231-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,425 sqft Living Area |
| Gross Area | 1,850 sqft |
| 1st Floor Area | 1,425 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,611 sqft (0.152 acres) |
| Lot Dimensions | 99 ft deep x 72 ft wide |
| View / Lot | Beach |
| Garage Type | Attached |
| Garage Area | 330 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 315 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 1320 3RD ST |
|---|---|
| City | NEPTUNE BEACH |
| State | FL |
| Zip | 32266-4907 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR-2 |
| Legal Description | 26-64 21-2S-29E MERIMAR TERRACE BY THE SEA UNIT 3 LOT 14 BLK 7 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 21 |
| Legal Subdivision | MERIMAR TER BY THE SEA #3 |
| Legal Block | 7 |
| Legal Lot Number | 14 |
| Legal Unit | 3 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 14001 |
1320 3rd St is owned and occupied by two individuals who bought it in August 2023.
Source: Duval County records, as of October 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1320 3RD ST, NEPTUNE BEACH, FL 32266-4907 |
| 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.
| Date | Document |
|---|---|
| Sep 23, 2026 | Deed of Trust, Mortgage · Conventional Mortgage US BANK |
| Aug 4, 2023 | Warranty Deed, Transfer · Conventional Mortgage NFM INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 4, 2023 · Amount on File |
| Deed Sale | Aug 4, 2023 · Amount on File |
| Prior Sale | Dec 12, 2016 · Amount on File |
| Deed Document Number | 2023161480 |
| Deed Book / Page | 20768 / 2013 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Sep 23, 2026 |
| Property Address | 1320 3RD ST, NEPTUNE BEACH, FL 32266-4907 |
| Document Number | 0000224958 |
| Book / Page | 22068 / 240 |
| Instrument Date | Sep 15, 2026 |
| Instrument | 2026224958 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 1320 3RD ST, NEPTUNE BEACH, FL 32266-4907 |
| Document Number | 0000224958, |
|---|---|
| Date | Sep 23, 2026 |
| Book Page | 22068/240 |
| Instrument | 2026224958 |
| Name | US BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 26, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Aug 4, 2023 |
| Property Address | 1320 3RD ST, NEPTUNE BEACH, FL 32266-4907 |
| Document Number | 0207682013 |
| Book / Page | 20768 / 2013 |
| Map Reference | MB 26 PG 64 |
| Instrument Date | Aug 2, 2023 |
| Instrument | 2023161480 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2023 |
| Title Company | NOT AVAILABLE, SOURCEPOINT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,934.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7792 SUGAR BEND DR, ORLANDO, FL 32819-5154 |
| Name | Verified Name |
|---|---|
| Address | 1320 3RD ST, NEPTUNE BEACH, FL 32266-4907 |
| Document Number | 0207682015 |
|---|---|
| Date | Aug 4, 2023 |
| Instrument | 20768/2015 |
| Name | NFM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
The 2025 property tax bill for 1320 3rd St was $9,547 with a homeowner's exemption, up 2.3% from the year before.
Source: Duval County assessment roll, as of September 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Duval County |
| Municipality | Neptune Beach City |
| Unified School District | Duval County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $593,021 (+2.7%) | $609,214 (+2.67%) Land $373,752 Building $235,462 | |
| 2025 | $9,547.00 (+2.35%) Homeowner's exemption | $577,431 | $593,366 Land $371,520 Building $221,846 |
| 2024 | $9,328.00 (+4.38%) | ||
| 2023 | $8,937.00 (+26.3%) | $582,561 (+35.98%) Land $383,904 Building $198,657 | $582,561 (+35.98%) Land $383,904 Building $198,657 |
| 2022 | $7,076.00 | $428,401 Land $247,680 Building $180,721 | $428,401 Land $247,680 Building $180,721 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1320 3rd St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Coastal | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 163 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 163 in force |
| Nearby Flood Claims | 37 (1979–2024) |
| Claims Outside the SFHA | 33 of 37 |
| Most Recent Claim | Sep 2024 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 1320 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 688 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| IQ Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures