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203 Lora St, Neptune Beach, FL 32266 Property Records

Duval County property record for 203 Lora St, Neptune Beach, FL 32266

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,508 sqft · built 2020
Lot Size0.105 acres (4,574 sqft)
Owner2 Individual Names on File
Last Sale$1,525,000 (Jun 2021)
Tax Bill$22,457 (2025)
Deeds & MortgagesJun 2021 Sale & Mortgage
Jul 2020 Sale
+ 1 more
Flood ZoneZone X (moderate risk)
APN173436-0510

Property Details

APN / Parcel Number

Primary APN173436-0510
Alternative APN
  • 1737640000

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Units10 Units
Stories2 Stories
Building Area2,508 sqft Living Area
Gross Area3,364 sqft
1st Floor Area1,080 sqft
Upper Floors Area1,428 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area4,574 sqft (0.105 acres)
Lot Dimensions110 ft deep x 42 ft wide
Garage TypeAttached
Garage Area448 sqft

Exterior Amenities

Pool Area8 sqft
PorchFinished/Open Porch
Porch Area140 sqft
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Old Parcel Number1737640000
Street Address203 LORA ST
CityNEPTUNE BEACH
StateFL
Zip32266-4940
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeNR-4
Legal Description72-104 28-2S-29E GUZZINO LANE LOT 2
Legal Range29E
Legal Township02S
Legal Section28
Legal SubdivisionGUIZZINO LANE
Legal Block15
Legal Lot Number2
JurisdictionDUVAL FL
Township / Civil DivisionJACKSONVILLE BEACHES
Census Block Group2
Census Block2015
Census Tract14001

Owner

Source: Duval County assessment roll, as of June 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address203 LORA ST, NEPTUNE BEACH, FL 32266-4940
OccupancyOwner Occupied
Owner TypeIndividual
VestingRight of Survivorship

Deeds, Mortgages & Sale History

DateDocument
Jun 11, 2021Warranty Deed, Transfer · Conventional Mortgage
BANK OF AMERICA NA
Jul 14, 2020Warranty Deed, Transfer
ATTORNEY ONLY
May 13, 2021Re-recorded Document
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 11, 2021 · Amount on Record
Deed SaleJun 11, 2021 · Amount on Record
Prior SaleMay 13, 2021 · Amount on Record
Deed Document Number2021145960
Deed Book / Page19758 / 1976
Prior Transfer DateMay 1, 2019
Prior Transfer Doc0187761349
Record UpdatedSep 20, 2026

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDUVAL FL
Recording DateJun 11, 2021
Property Address203 LORA ST, NEPTUNE BEACH, FL 32266-4940
Document Number0197581976
Book / Page19758 / 1976
Map ReferenceMB 72 PG 104
Instrument DateMay 28, 2021
Instrument2021145960
Transaction TypeTransfer
Record UpdatedJan 23, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$10,675.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address690 PONTE VEDRA BLVD, PONTE VEDRA BEACH, FL 32082-4716

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address203 LORA ST, NEPTUNE BEACH, FL 32266-4940

Mortgage

Document Number0197581981
DateJun 11, 2021
Instrument19758/1981
Lender
NameBANK OF AMERICA NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2051

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDUVAL FL
Recording DateJul 14, 2020
Property Address203 LORA ST, NEPTUNE BEACH, FL 32266-4982
Document Number0192801354
Book / Page019280 / 001354
Instrument DateJul 8, 2020
Instrument147089
Transaction TypeTransfer
Record UpdatedJul 30, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$6,503.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address203 LORA ST NEPTUNE BEACH FL 322664982, NEPTUNE BEACH, FL 32266-4982

May 2021: Re-recorded Document

Document TypeRe-recorded Document
JurisdictionDUVAL FL
Recording DateMay 13, 2021
Property Address203 LORA ST, NEPTUNE BEACH, FL 32266-4940
Document Number0197201389
Book / Page19720 / 1389
Map ReferenceMB 72 PG 104
Instrument DateJul 8, 2020
Instrument2021121543
Record UpdatedJan 23, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name
Address1339 TRAILWOOD DR, NEPTUNE BEACH, FL 32266-1561

Transferred To (Grantee/Buyer)

NameVerified Name
Address203 LORA ST, NEPTUNE BEACH, FL 32266-4940

Tax Assessment & Valuation

Source: Duval County assessment roll, as of June 3, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyDuval County
MunicipalityNeptune Beach City
Unified School DistrictDuval County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,337,246 (+2.7%)$1,406,160 (+7.99%) Land $555,718 Building $850,442
2025$22,457.00 (-6.44%) Homeowner's exemption$1,302,090 (-2.75%) Land $405,720 Building $896,370$1,302,090 (-8.78%) Land $405,720 Building $896,370
2024$24,003.00 (+2.57%)
2023$23,401.00 (+8.75%) Homeowner's exemption$1,338,966 (+3%)$1,427,391 (+9.8%) Land $444,360 Building $983,031
2022$21,518.00 Homeowner's exemption$1,299,967 Land $425,040 Building $874,927$1,299,967 Land $425,040 Building $874,927

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

Flood

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

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
CoastalYes
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 163 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies163 in force
Nearby Flood Claims37 (1979–2024)
Claims Outside the SFHA33 of 37
Most Recent ClaimSep 2024 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 5 claims
  • Hurricane Matthew, Oct 2016 · 2 claims
  • Tropical Storm Debby, Jun 2012 · 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

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

Wildfire RiskNot rated
no burnable land within ember reach

Drinking Water

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

Water SystemNEPTUNE BEACH
serves 7,270 people · EPA ID FL2160206
Water SourceGroundwater
Last State InspectionJun 2024
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 688 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
IQ Fiber Intermediate Holdings
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 USA
Fixed Wireless		100 / 20

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