228 Davis St, Neptune Beach, FL 32266 Property Records

Duval County property record for 228 Davis St, Neptune Beach, FL 32266

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,604 sqft · built 2019
Lot Size	0.122 acres (5,332 sqft)
Owner	2 Individual Names on Record
Last Sale	$839,900 (Aug 2020)
Tax Bill	$12,418 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`172984-9820`

Property Details

APN / Parcel Number

Primary APN	`172984-9820`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,604 sqft Living Area
Gross Area	3,460 sqft
1st Floor Area	1,350 sqft
Upper Floors Area	1,254 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,332 sqft (0.122 acres)
Lot Dimensions	120 ft deep x 44 ft wide
Garage Type	Detached
Garage Area	400 sqft
Porch	Finished/Open Porch
Porch Area	228 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	228 DAVIS ST
City	NEPTUNE BEACH
State	FL
Zip	32266-4929
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR-4
Legal Description	69-88 21-2S-29E NARROW WAY LOT 3
Legal Range	29E
Legal Township	02S
Legal Section	21
Legal Subdivision	NARROW WAY
Legal Block	2
Legal Lot Number	3
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE BEACHES
Census Block Group	2
Census Block	2009
Census Tract	14001

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	228 DAVIS ST, NEPTUNE BEACH, FL 32266-4929
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2020 · Amount on Record
Deed Sale	Aug 11, 2020 · Amount on Record
Prior Sale	Feb 1, 2017 · Amount on Record
Deed Document Number	2020172928
Deed Book / Page	19322 / 318
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Aug 11, 2020
Property Address	228 DAVIS ST, NEPTUNE BEACH, FL 32266-4929
Document Number	0193220318
Book / Page	019322 / 000318
Instrument Date	Aug 6, 2020
Instrument	172928
Transaction Type	Transfer
Record Updated	Aug 27, 2020
Title Company	TITLE AMERICA RE CLOSINGS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,879.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	228 DAVIS ST NEPTUNE BEACH FL 322664929, NEPTUNE BEACH, FL 32266-4929

Mortgage

Document Number	193220320
Date	Aug 11, 2020
Book Page	019322/000320
Instrument	172929

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 10, 2035

Tax Assessment & Valuation

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		$758,555 (+2.7%)	$1,376,189 (+11.45%) Land $528,000 Building $848,189
2025	$12,418.00 (+2.31%) Homeowner's exemption	$738,613 (+5.99%)	$1,234,779 (+27.97%) Land $443,520 Building $791,259
2024	$12,138.00 (+2.66%)
2023	$11,824.00 (+8.93%) Homeowner's exemption	$696,891 (+3%)	$964,878 (+8.76%) Land $485,760 Building $479,118
2022	$10,855.00 Homeowner's exemption	$676,594	$887,184 Land $464,640 Building $422,544

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