Duval County property record for 230 Lora St, Neptune Beach, FL 32266
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 2,511 sqft · built 1976 |
| Lot Size | 0.144 acres (6,255 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $460,000 (Jul 2012) |
| Tax Bill | $12,146 (2025) |
| Deeds & Mortgages | Feb 2022 Line of Credit Feb 2021 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 173052-0500 |
| Primary APN | 173052-0500 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,511 sqft Living Area |
| Gross Area | 3,071 sqft |
| 1st Floor Area | 1,334 sqft |
| Upper Floors Area | 887 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Combination |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Built-Up Asphalt |
| Lot Area | 6,255 sqft (0.144 acres) |
| Lot Dimensions | 118 ft deep x 54 ft wide |
| Garage Type | Attached |
| Garage Area | 374 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 28 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 230 LORA ST |
|---|---|
| City | NEPTUNE BEACH |
| State | FL |
| Zip | 32266-4941 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR-4 |
| Legal Description | 8-30 21-2S-29E MERIMAR LOT 12 BLK 20 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 21 |
| Legal Subdivision | MERIMAR |
| Legal Block | 20 |
| Legal Lot Number | 12 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 2 |
| Census Block | 2012 |
| 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 | 230 LORA ST, NEPTUNE BEACH, FL 32266-4941 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 2, 2022 | Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NATIONAL ASSOCIATION |
| Feb 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SOUTH STATE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 20, 2012 · Amount on Record |
| Deed Sale | Jul 20, 2012 · Amount on Record |
| Prior Sale | Aug 1, 2003 · Amount on Record |
| Deed Document Number | 2012152957 |
| Deed Book / Page | 16007 / 872 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 230 LORA ST, NEPTUNE BEACH, FL 32266-4941 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2022 |
| Name | Verified Name |
|---|---|
| Address | 230 LORA ST, NEPTUNE BEACH, FL 32266-4941 |
| Document Number | 0201282196 |
|---|---|
| Date | Feb 2, 2022 |
| Book Page | 20128/2196 |
| Instrument | 2022031422 |
| Name | SOUTH STATE BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32224 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Jan 20, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 230 LORA ST, NEPTUNE BEACH, FL 32266-4941 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2021 |
| Name | Verified Name |
|---|---|
| Address | 230 LORA ST, NEPTUNE BEACH, FL 32266-4941 |
| Document Number | 0195920179 |
|---|---|
| Date | Feb 18, 2021 |
| Book Page | 19592/179 |
| Instrument | 2021043499 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29406 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
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 | $742,887 (+2.7%) | $1,404,527 (+12.28%) Land $642,576 Building $761,951 | |
| 2025 | $12,146.00 (+2.31%) Homeowner's exemption | $723,357 (+50.66%) | $1,250,935 (+40.36%) Land $538,650 Building $712,285 |
| 2024 | $11,872.00 (+49.97%) | ||
| 2023 | $7,916.00 (+9.11%) Homeowner's exemption | $480,134 (+3%) | $891,214 (+7.31%) Land $589,950 Building $301,264 |
| 2022 | $7,255.00 Homeowner's exemption | $466,150 | $830,514 Land $564,300 Building $266,214 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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