Duval County property record for 401 Lora St, Neptune Beach, FL 32266
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,221 sqft · built 1990 |
| Lot Size | 0.171 acres (7,456 sqft) |
| Owner | Individual Name on File |
| Last Sale | $716,500 (Jun 2025) |
| Tax Bill | $11,932 (2025) |
| Deeds & Mortgages | Jan 2023 Transfer Jan 2023 Transfer |
| Flood Zone | Zone X (moderate risk) |
| APN | 173571-0000 |
| Primary APN | 173571-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 1 Room |
| Stories | 2 Stories |
| Building Area | 2,221 sqft Living Area |
| Gross Area | 3,313 sqft |
| 1st Floor Area | 1,207 sqft |
| Upper Floors Area | 504 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Combination |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,456 sqft (0.171 acres) |
| Lot Dimensions | 100 ft deep x 55 ft wide |
| Garage Type | Attached |
| Garage Area | 688 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 404 sqft |
| Patio Area | 362 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 401 LORA ST |
|---|---|
| City | NEPTUNE BEACH |
| State | FL |
| Zip | 32266-4944 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR-3 |
| Legal Description | 12-93 28-2S-29E JACKSONVILLE BEACH PARK LOT 1 BLK 10 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | JAX BEACH PARK |
| Legal Block | 10 |
| Legal Lot Number | 1 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 14001 |
401 Lora St is owned and occupied by an individual who bought it in June 2025.
Source: Duval County records, as of September 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 401 LORA ST, NEPTUNE BEACH, FL 32266-4944 |
| 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.
| Date | Document |
|---|---|
| Jan 30, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jan 30, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 17, 2025 · Amount on File |
| Deed Sale | Jun 17, 2025 · Amount on File |
| Deed Document Number | 2025142104 |
| Deed Book / Page | 21510 / 1420 |
| Prior Transfer Date | Dec 21, 2018 |
| Prior Transfer Doc | 0205662084 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Jan 30, 2023 |
| Property Address | 401 LORA ST, NEPTUNE BEACH, FL 32266-4944 |
| Document Number | 0205662082 |
| Book / Page | 20566 / 2082 |
| Map Reference | MB 12 PG 93 |
| Instrument Date | Dec 21, 2018 |
| Instrument | 2023018885 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 401 LORA ST, NEPTUNE BEACH, FL 32266-4944 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 401 LORA ST, NEPTUNE BEACH, FL 32266-4944 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Jan 30, 2023 |
| Property Address | 401 LORA ST, NEPTUNE BEACH, FL 32266-4944 |
| Document Number | 0205662084 |
| Book / Page | 20566 / 2084 |
| Map Reference | MB 12 PG 93 |
| Instrument Date | Dec 21, 2018 |
| Instrument | 2023018886 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 401 LORA ST, NEPTUNE BEACH, FL 32266-4944 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 401 LORA ST, NEPTUNE BEACH, FL 32266-4944 |
The 2025 property tax bill for 401 Lora St was $11,932, up 7.9% from the year before.
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 | $669,320 (-0.07%) Land $392,435 Building $276,885 | $669,320 (-0.07%) Land $392,435 Building $276,885 | |
| 2025 | $11,932.00 (+7.9%) | $669,770 Land $391,600 Building $278,170 | $669,770 Land $391,600 Building $278,170 |
| 2024 | $11,058.00 (+444.46%) | ||
| 2023 | $2,031.00 (+6.39%) Homeowner's exemption Disabled Person's exemption | $158,726 (+3%) | $626,004 (+12.74%) Land $357,335 Building $268,669 |
| 2022 | $1,909.00 Homeowner's exemption Disabled Person's exemption | $154,103 | $555,277 Land $332,860 Building $222,417 |
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.
FEMA maps place 401 Lora 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 |
|
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.
The area around 401 Lora 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.
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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