210 Lora St, Neptune Beach, FL 32266 Property Records

Duval County property record for 210 Lora St, Neptune Beach, FL 32266

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 2,752 sqft · built 1938
Lot Size	0.137 acres (5,986 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (Mar 2012)
Tax Bill	$6,501 (2025)
Deeds & Mortgages	Jan 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`172594-0000`

Property Details

APN / Parcel Number

Primary APN	`172594-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Units	2 Units
Stories	2 Stories
Building Area	2,752 sqft Living Area
Gross Area	3,566 sqft
1st Floor Area	1,376 sqft
Upper Floors Area	1,376 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1970
Architectural Style	Duplex Single
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,986 sqft (0.137 acres)
Lot Dimensions	118 ft deep x 50 ft wide

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	42 sqft
Deck Area	24 sqft
Patio Area	184 sqft
Balcony Area	128 sqft
Utility Building	572 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	210 LORA ST
City	NEPTUNE BEACH
State	FL
Zip	32266-4941
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NR-4
Legal Description	15-44 21-2S-29E NEPTUNE BEACH TERR SEC 2 S/D PT LOT 28
Legal Range	29E
Legal Township	02S
Legal Section	21
Legal Subdivision	NEPTUNE BEACH TER SEC 2
Legal Lot Number	28
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE BEACHES
Census Block Group	2
Census Block	2012
Census Tract	14001

Owner

Source: Duval County records, 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 Record	Individual Name on Record
Mailing Address	210 LORA ST, NEPTUNE BEACH, FL 32266-4941
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2012 · Amount on Record
Deed Sale	Mar 21, 2012 · Amount on Record
Deed Document Number	201261823
Deed Book / Page	15886 / 2476
Record Updated	Sep 20, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	210 LORA ST, NEPTUNE BEACH, FL 32266-4941
Document Number	0191092068
Instrument Date	Jan 30, 2020
Transaction Type	Mortgage
Record Updated	Mar 6, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 LORA ST #212 NEPTUNE BEACH FL 322664941, 212, NEPTUNE BEACH, FL 32266-4941

Mortgage

Document Number	0191092068
Date	Feb 19, 2020
Book Page	019109/002068
Instrument	39605

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 18, 2050

Tax Assessment & Valuation

Source: Duval County assessment roll, as of June 3, 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		$417,478 (+2.7%)	$791,712 (+15.85%) Land $593,750 Building $197,962
2025	$6,501.00 (+2.41%) Homeowner's exemption	$406,503 (+5.99%)	$683,378 (-8.72%) Land $498,750 Building $184,628
2024	$6,348.00 (+2.82%)
2023	$6,174.00 (+9.25%) Homeowner's exemption	$383,541 (+3%)	$748,698 (+9.27%) Land $546,250 Building $202,448
2022	$5,651.00 Homeowner's exemption	$372,370	$685,201 Land $522,500 Building $162,701

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 Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	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 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.

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 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