Duval County property record for 445 Bowles St, Neptune Beach, FL 32266
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,724 sqft · built 1955 |
| Lot Size | 0.198 acres (8,603 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $237,800 (Jul 2016) |
| Tax Bill | $4,247 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage Aug 2020 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 173208-0000 |
| Primary APN | 173208-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,724 sqft Living Area |
| Gross Area | 2,022 sqft |
| 1st Floor Area | 1,396 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,603 sqft (0.198 acres) |
| Lot Dimensions | 120 ft deep x 72 ft wide |
| Garage Type | Attached |
| Garage Area | 196 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 102 sqft |
| Deck Area | Deck Area |
| Patio Area | 88 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 445 BOWLES ST |
|---|---|
| City | NEPTUNE BEACH |
| State | FL |
| Zip | 32266-4922 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR-2 |
| Legal Description | 25-64 21-2S-29E MERIMAR TERRACE BY THE SEA UNIT 2 R/P N 1/2 BLK 22 MERIMAR LOT 6 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 21 |
| Legal Subdivision | MERIMAR TER BY THE SEA #2 |
| Legal Block | 22 |
| Legal Lot Number | 6 |
| Legal Unit | 2 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 14001 |
445 Bowles St is owned and occupied by two individuals who acquired it in July 2020.
Source: Duval County records, as of September 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 445 BOWLES ST, NEPTUNE BEACH, FL 32266-4922 |
| 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 |
|---|---|
| Oct 31, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Aug 6, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2016 · Amount on File |
| Deed Sale | Jul 1, 2016 · Amount on File |
| Prior Sale | Jun 21, 2016 · Amount on File |
| Deed Document Number | 2016151198 |
| Deed Book / Page | 17620 / 408 |
| Last Transfer Date | Jul 24, 2020 |
| Transfer Doc | 0193141910 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 445 BOWLES ST, NEPTUNE BEACH, FL 32266-4922 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0181671689 |
|---|---|
| Date | Oct 31, 2017 |
| Book Page | 18167/1689 |
| Instrument | 2017248051 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2047 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Aug 6, 2020 |
| Property Address | 445 BOWLES ST, NEPTUNE BEACH, FL 32266-4922 |
| Document Number | 0193141910 |
| Book / Page | 19314 / 1910 |
| Map Reference | MB 25 PG 64 |
| Instrument Date | Jul 24, 2020 |
| Instrument | 2020168458 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 445 BOWLES ST, NEPTUNE BEACH, FL 32266-4922 |
| Document Number | 0193141913 |
|---|---|
| Date | Aug 6, 2020 |
| Instrument | 19314/1913 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2050 |
The 2025 property tax bill for 445 Bowles St was $4,247 with a homeowner's exemption, up 2.5% 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 | $287,525 (+2.7%) | $646,032 (+2.45%) Land $414,720 Building $231,312 | |
| 2025 | $4,247.00 (+2.54%) Homeowner's exemption | $279,966 | $630,577 Land $414,720 Building $215,857 |
| 2024 | $4,142.00 (+2.98%) | ||
| 2023 | $4,022.00 (+9.65%) Homeowner's exemption | $264,152 (+3%) | $621,507 (+37.47%) Land $428,544 Building $192,963 |
| 2022 | $3,668.00 Homeowner's exemption | $256,459 | $452,116 Land $276,480 Building $175,636 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 445 Bowles 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 445 Bowles 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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