Duval County property record for 225 Lora St, Neptune Beach, FL 32266
| Property Type | Single Family Home |
|---|---|
| Details | 8 bd · 4 ba · 2,184 sqft · built 1938 |
| Lot Size | 0.14 acres (6,081 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,540,000 (Mar 2026) |
| Tax Bill | $9,276 (2025) |
| Deeds & Mortgages | Mar 2026 Sale Mar 2022 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 173490-0000 |
| Primary APN | 173490-0000 |
|---|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,184 sqft Living Area |
| Gross Area | 3,660 sqft |
| 1st Floor Area | 1,092 sqft |
| Upper Floors Area | 1,092 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,081 sqft (0.14 acres) |
| Lot Dimensions | 110 ft deep x 55 ft wide |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 288 sqft |
| Deck Area | 432 sqft |
| Patio Area | 432 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 225 LORA ST |
|---|---|
| City | NEPTUNE BEACH |
| State | FL |
| Zip | 32266-4940 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR-4 |
| Legal Description | 12-93 28-2S-29E JACKSONVILLE BEACH PARK LOT 5 BLK 5 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | JAX BEACH PARK |
| Legal Block | 5 |
| Legal Lot Number | 5 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 14001 |
Source: Duval County records, as of September 25, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 225 LORA ST, NEPTUNE BEACH, FL 32266-4940 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 2, 2026 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Mar 8, 2022 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| May 17, 2019 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 2, 2026 · Amount on Record |
| Deed Sale | Mar 2, 2026 · Amount on Record |
| Prior Sale | Sep 17, 2014 · Amount on Record |
| Deed Document Number | 202646484 |
| Deed Book / Page | 21807 / 1026 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Mar 2, 2026 |
| Property Address | 225 LORA ST, NEPTUNE BEACH, FL 32266-4940 |
| Document Number | 0218071026 |
| Book / Page | 21807 / 1026 |
| Map Reference | MB 12 PG 93 |
| Instrument Date | Feb 23, 2026 |
| Instrument | 2026046484 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $10,780.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 446 LORA ST, NEPTUNE BEACH, FL 32266-4945 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 225 LORA ST, NEPTUNE BEACH, FL 32266-4940 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 225 LORA ST, NEPTUNE BEACH, FL 32266-4940 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2022 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 225 LORA ST, NEPTUNE BEACH, FL 32266-4940 |
| Document Number | 0201741987 |
|---|---|
| Date | Mar 8, 2022 |
| Book Page | 20174/1987 |
| Instrument | 2022061754 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 225 LORA ST, NEPTUNE BEACH, FL 32266-4940 |
| Document Number | 0188071366 |
| Instrument Date | May 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 225 LORA ST NEPTUNE BEACH FL 322664940, NEPTUNE BEACH, FL 32266-4940 |
| Document Number | 0188071366 |
|---|---|
| Date | May 29, 2019 |
| Book Page | 018807/001366 |
| Instrument | 124301 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 28, 2049 |
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 | $1,002,538 (+76.74%) Land $638,537 Building $364,001 | $1,002,538 (+14.31%) Land $638,537 Building $364,001 | |
| 2025 | $9,276.00 (+2.37%) Homeowner's exemption Veteran's exemption | $567,254 (+5.99%) | $877,034 (-8.64%) Land $531,300 Building $345,734 |
| 2024 | $9,061.00 (+2.74%) | ||
| 2023 | $8,819.00 (+9.09%) Homeowner's exemption Veteran's exemption | $535,212 (+3%) | $960,028 (+7.82%) Land $581,900 Building $378,128 |
| 2022 | $8,084.00 Homeowner's exemption Veteran's exemption | $519,624 | $890,422 Land $556,600 Building $333,822 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|
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.
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 |
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