Duval County property record for 436 Lora St, Neptune Beach, FL 32266
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 936 sqft · built 1954 |
| Lot Size | 0.2 acres (8,731 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $20,000 (May 2011) |
| Tax Bill | $1,315 (2025) |
| Deeds & Mortgages | May 2022 Mortgage May 2017 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 173065-0000 |
| Primary APN | 173065-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 936 sqft Living Area |
| Gross Area | 1,391 sqft |
| 1st Floor Area | 936 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,731 sqft (0.2 acres) |
| Lot Dimensions | 118 ft deep x 72 ft wide |
| Garage Type | Carport |
| Garage Area | 220 sqft |
| Carport | Carport |
| Carport Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 6 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 401 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 436 LORA ST |
|---|---|
| City | NEPTUNE BEACH |
| State | FL |
| Zip | 32266-4945 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR-3 |
| Legal Description | 8-30 21-2S-29E MERIMAR E 8FT LOT 13,LOT 14,W 14FT LOT 15 BLK 21 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 21 |
| Legal Subdivision | MERIMAR |
| Legal Block | 21 |
| Legal Lot Number | 13 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 14001 |
436 Lora St is owned and occupied by two individuals who acquired it in February 2025.
Source: Duval County records, as of September 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 436 LORA ST, NEPTUNE BEACH, FL 32266-4945 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| May 31, 2022 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA |
| May 15, 2017 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CU/FL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 27, 2011 · Amount on File |
| Deed Sale | May 27, 2011 · Amount on File |
| Prior Sale | Aug 6, 2009 · Amount on File |
| Deed Document Number | 2011118519 |
| Deed Book / Page | 15613 / 1956 |
| Last Transfer Date | Feb 5, 2025 |
| Transfer Doc | 0213531749 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 436 LORA ST, NEPTUNE BEACH, FL 32266-4945 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 436 LORA ST, NEPTUNE BEACH, FL 32266-4945 |
| Document Number | 0203021829 |
|---|---|
| Date | May 31, 2022 |
| Book Page | 20302/1829 |
| Instrument | 2022145322 |
| Name | COMMUNITY FIRST CREDIT UNION OF FLORIDA |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32204 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 436 LORA ST, NEPTUNE BEACH, FL 32266-4945 |
| Document Number | 0179920141 |
| Book / Page | 017992 / 000141 |
| Instrument Date | May 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 436 LORA ST JACKSONVILLE FL 322664945, JACKSONVILLE, FL 32266-4945 |
| Document Number | 0179920141 |
|---|---|
| Date | May 23, 2017 |
| Book Page | 017992/000141 |
| Instrument | 120132 |
| Name | COMMUNITY FIRST CU/FL |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32204 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 22, 2032 |
The 2025 property tax bill for 436 Lora St was $1,315 with a homeowner's exemption, up 3.3% 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 | $118,508 (+2.7%) | $576,074 (+1.52%) Land $436,094 Building $139,980 | |
| 2025 | $1,315.00 (+3.3%) | $115,393 | $567,427 Land $410,400 Building $157,027 |
| 2024 | $1,273.00 (+4.17%) | ||
| 2023 | $1,222.00 (+12.21%) Homeowner's exemption | $108,875 (+3%) | $572,543 (+40.06%) Land $424,080 Building $148,463 |
| 2022 | $1,089.00 Homeowner's exemption | $105,704 | $408,779 Land $273,600 Building $135,179 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 436 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 436 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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