225 Bowles St, Neptune Beach, FL 32266 Property Records

Duval County property record for 225 Bowles St, Neptune Beach, FL 32266

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,626 sqft · built 2018
Lot Size	0.11 acres (4,800 sqft)
Owner	2 Individual Names on File
Last Sale	$795,000 (Sep 2019)
Tax Bill	$13,251 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`172983-1100`

Property Details

APN / Parcel Number

Primary APN	`172983-1100`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,626 sqft Living Area
Gross Area	3,438 sqft
1st Floor Area	1,164 sqft
Upper Floors Area	1,462 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 40 ft wide
Garage Type	Attached
Garage Area	332 sqft
Pool Area	1 sqft
Porch	Finished/Open Porch
Porch Area	480 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	225 BOWLES ST
City	NEPTUNE BEACH
State	FL
Zip	32266-4918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR-4
Legal Description	70-139 21-2S-29E JONES BOWLES LOT 1
Legal Range	29E
Legal Township	02S
Legal Section	21
Legal Subdivision	JONES BOWLES
Legal Lot Number	1
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE BEACHES
Census Block Group	2
Census Block	2009
Census Tract	14001

Owner

225 Bowles St is owned and occupied by two individuals who bought it in September 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	225 BOWLES ST, NEPTUNE BEACH, FL 32266-4918
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	Sep 11, 2019 · Amount on File
Deed Sale	Sep 11, 2019 · Amount on File
Prior Sale	Apr 4, 2018 · Amount on File
Deed Document Number	2019209557
Deed Book / Page	18927 / 1823
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Sep 11, 2019
Property Address	225 BOWLES ST, NEPTUNE BEACH, FL 32266-4918
Document Number	0189271823
Book / Page	18927 / 1823
Map Reference	MB 70 PG 139
Instrument Date	Sep 9, 2019
Instrument	2019209557
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	PONTE VEDRA TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,565.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11628 ASPEN CREEK DR, 11628, FORT WORTH, TX 76244-7775

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 BOWLES ST, NEPTUNE BEACH, FL 32266-4918

Mortgage

Document Number	0189271825
Date	Sep 11, 2019
Instrument	18927/1825

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 225 Bowles St was $13,251 with a homeowner's exemption, up 2.3% 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		$837,095 (+6.58%)	$1,305,103 (+14.03%) Land $510,507 Building $794,596
2025	$13,251.00 (+2.29%) Homeowner's exemption	$785,383	$1,144,520 Land $403,200 Building $741,320
2024	$12,954.00 (+2.65%)
2023	$12,620.00 (+8.92%) Homeowner's exemption	$741,019 (+3%)	$990,059 (+9.42%) Land $441,600 Building $548,459
2022	$11,587.00 Homeowner's exemption	$719,436	$904,847 Land $422,400 Building $482,447

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

Flood

FEMA maps place 225 Bowles St in Zone X, an area of moderate flood risk, though there have been 37 flood claims nearby since 1979.

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 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	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

The area around 225 Bowles 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.

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