1440 Spindrift Cir E, Neptune Beach, FL 32266 Property Records

Duval County property record for 1440 Spindrift Cir E, Neptune Beach, FL 32266

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,470 sqft · built 1988
Lot Size	0.118 acres (5,157 sqft)
Owner	2 Individual Names on File
Last Sale	$337,500 (Jul 2021)
Tax Bill	$5,674 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Jul 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`178077-3100`

Property Details

APN / Parcel Number

Primary APN	`178077-3100`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,470 sqft Living Area
Gross Area	1,895 sqft
1st Floor Area	1,050 sqft
Upper Floors Area	420 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2010
Architectural Style	Townhouse
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,157 sqft (0.118 acres)
Garage Type	Attached
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	480 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1440 SPINDRIFT CIR E
City	NEPTUNE BEACH
State	FL
Zip	32266-3266
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR-4
Legal Description	41-56 38-2S-29E .118 SUMMER SANDS PT LOTS 8F,9A RECD O/R 19798-97
Legal Range	29E
Legal Township	02S
Legal Section	38
Legal Subdivision	SUMMER SANDS
Legal Lot Number	8F,9A
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE BEACHES
Census Block Group	1
Census Block	1002
Census Tract	14002

Owner

1440 Spindrift Cir E is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1440 SPINDRIFT CIR E, NEPTUNE BEACH, FL 32266-3266
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

Date	Document
Feb 23, 2023	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Jul 7, 2021	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU
Jul 7, 2021	Correction Deed WATSON TITLE SERVICES/N FL INC, WATSON TTL SVCS OF NORTH FL
Dec 31, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 16, 2019	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Jun 6, 2017	Warranty Deed, Transfer WATSON TITLE SERVICES/N FL INC, WATSON TITLE SVCS/N FL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2021 · Amount on File
Deed Sale	Jul 7, 2021 · Amount on File
Prior Sale	Jul 7, 2021 · Amount on File
Deed Document Number	2021170387
Deed Book / Page	19798 / 97
Prior Transfer Date	Oct 19, 2020
Prior Transfer Doc	0195181369
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	1440 SPINDRIFT CIR E, NEPTUNE BEACH, FL 32266-3266
Transaction Type	Mortgage
Record Updated	Mar 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1440 SPINDRIFT CIR E, NEPTUNE BEACH, FL 32266-3266

Mortgage

Document Number	0205910705
Date	Feb 23, 2023
Book Page	20591/705
Instrument	2023036239

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Jul 7, 2021
Property Address	1440 SPINDRIFT CIR E, NEPTUNE BEACH, FL 32266-3266
Document Number	0197980097
Book / Page	19798 / 97
Map Reference	MB 41 PG 56&56B
Instrument Date	Jun 24, 2021
Instrument	2021170387
Transaction Type	Transfer
Record Updated	Aug 2, 2021
Title Company	NOT AVAILABLE, MOREHEAD TITLE & ESCROW INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,362.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1533 SUMMER SANDS DR, 1533, NEPTUNE BEACH, FL 32266-3215

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1440 SPINDRIFT CIR E, NEPTUNE BEACH, FL 32266-3266
Investor	Possibly a Property Investor

Mortgage

Document Number	1979899
Date	Jul 7, 2021
Instrument	19798/99

Lender

Name	VYSTAR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

July 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	DUVAL FL
Recording Date	Jul 7, 2021
Property Address	1440 SPINDRIFT CIR E, NEPTUNE BEACH, FL 32266-3266
Document Number	0197980095
Book / Page	19798 / 95
Map Reference	MB 41 PG 56-56B
Instrument Date	Jun 17, 2021
Instrument	2021170386
Record Updated	Aug 2, 2021
Title Company	WATSON TITLE SERVICES/N FL INC, WATSON TTL SVCS OF NORTH FL

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	419 PALEGOLD ST, 419, HENDERSON, NV 89012-5448

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1440 SPINDRIFT CIR E, NEPTUNE BEACH, FL 32266-3266

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DUVAL FL
Recording Date	Dec 31, 2020
Property Address	1440 SPINDRIFT CIR E, NEPTUNE BEACH, FL 32266-3266
Document Number	0195181369
Book / Page	019518 / 001369
Instrument Date	Oct 19, 2020
Instrument	291775
Transaction Type	Transfer
Record Updated	Jan 26, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3805 PARK ST JACKSONVILLE FL 322058915, JACKSONVILLE, FL 32205-8915

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Aug 16, 2019
Property Address	1440 SPINDRIFT CIR E, NEPTUNE BEACH, FL 32266-3266
Document Number	0189011826
Book / Page	18901 / 1826
Map Reference	MB 41 PG 56-56B
Instrument Date	Aug 2, 2019
Instrument	2019191628
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	WATSON TTL SVCS OF NORTH FL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1851 HILLPOINTE RD APT 2012, 1851, HENDERSON, NV 89074-0980

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1440 SPINDRIFT CIR E, NEPTUNE BEACH, FL 32266-3266

Mortgage

Document Number	0189011828
Date	Aug 16, 2019
Instrument	18901/1828

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Jun 6, 2017
Property Address	1440 SPINDRIFT CIR E, NEPTUNE BEACH, FL 32266-3266
Document Number	0180071878
Book / Page	018007 / 001878
Instrument Date	May 23, 2017
Instrument	131914
Transaction Type	Transfer
Record Updated	Jul 21, 2017
Title Company	WATSON TITLE SERVICES/N FL INC, WATSON TITLE SVCS/N FL INC

Transaction

Amount	Amount on Record
Tax	$1,883.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1851 HILLPOINTE RD #2012 HENDERSON NV 890740980, 2012, HENDERSON, NV 89074-0980

Tax Assessment & Valuation

The 2025 property tax bill for 1440 Spindrift Cir E was $5,674 with a homeowner's exemption, up 2.5% 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		$369,768 (+2.7%)	$370,213 (-0.83%) Land $153,895 Building $216,318
2025	$5,674.00 (+2.46%) Homeowner's exemption	$360,047	$373,323 Land $150,000 Building $223,323
2024	$5,538.00 (+2.86%)
2023	$5,384.00 (+9.36%) Homeowner's exemption	$339,709 (+3%)	$354,742 (+7.56%) Land $130,000 Building $224,742
2022	$4,923.00 Homeowner's exemption	$329,815 Land $108,000 Building $221,815	$329,815 Land $108,000 Building $221,815

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

Flood

FEMA maps place 1440 Spindrift Cir E in Zone X, an area of minimal flood risk, within 100 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 282 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	282 in force
Nearby Flood Claims	23 (1984–2022)
Claims Outside the SFHA	12 of 23
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Irma, Sep 2017 · 4 claims Hurricane Matthew, Oct 2016 · 3 claims Severe Storms, Tornadoes & Flooding, Oct 1992 · 3 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 1440 Spindrift Cir E is low, with less than 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 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 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 520 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Hotwire Communications.

Nearby Properties on Spindrift Cir E

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures