446 Lora St, Neptune Beach, FL 32266 Property Records

Duval County property record for 446 Lora St, Neptune Beach, FL 32266 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2005
Square Footage	1,300 sqft Living Area
Lot Size	8,783 sqft (0.202 acres)
Occupancy	Owner Occupied
Last Sale	$420,000 (2020)
Tax Bill	$10,211.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`173064-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,300 sqft Living Area
Gross Area	1,814 sqft Gross Area
1st Floor	1,092 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Plaster Interior Structure

Exterior

Year Built	Built 1953
Effective Year Built	Effective 2005
Exterior Material	Concrete Block Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Asphalt Roof
Lot Area	8,783 sqft (0.202 acres)
Depth X Width	118 ft x 72 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Carport Garage
Garage Area	260 sqft Garage
Carport	Carport
Carport Area	260 sqft Carport
Deck Area	480 sqft Deck
Patio Area	480 sqft Patio
Porch Area	166 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Street Address	446 LORA ST
City	NEPTUNE BEACH
State	FL
Zip	32266-4945
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	8-30 21-2S-29E .20 MERIMAR E 30FT LOT 12,W 42FT LOT 13 BLK 21
Legal Range	29E
Legal Township	02S
Legal Section	21
Legal Subdivision	MERIMAR
Legal Block	21
Legal Lot Number	12,13
Jurisdiction	DUVAL FL
Minor Civil Division	JACKSONVILLE BEACHES
Census Blockgroup	2
Census Block	2011
Census Tract	14001

Owner

Source: Duval County records · APN 173064-0000

Assessment roll updated June 3, 2026 · Last verified June 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 File
Mailing Address	446 LORA ST, NEPTUNE BEACH, FL 32266-4945
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 30, 2020 · Amount on Record
Deed Sale	Jul 30, 2020 · Amount on Record
Prior Sale	Jul 10, 2009 · Amount on Record
Deed Doc Number	2020163518
Deed Book / Page	19306 / 1354
Prior Transfer Date	Sep 21, 2011
Prior Transfer Doc	0157430018
Record Refreshed	Sep 20, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Jul 30, 2020
Property Address	446 LORA ST, NEPTUNE BEACH, FL 32266-4945
Document Number	0193061354
Book / Page	019306 / 001354
Instrument Date	Jul 27, 2020
Instrument	163518
Transaction Type	Transfer
Record Updated	Aug 12, 2020
Title Company	GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,940.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	446 LORA ST NEPTUNE BEACH FL 322664945, NEPTUNE BEACH, FL 32266-4945

Mortgage

Document Number	193061356
Date	Jul 30, 2020
Book Page	019306/001356
Instrument	163519

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2050

Tax Assessment & Valuation

Source: Duval County records · Assessment roll updated June 3, 2026 · Last verified June 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$404,929 (-34.65%)	$626,050 (+1.04%) Land $413,520 Building $212,530
2025	$10,211.00 (+7.34%)	$619,626 (+1.07%) Land $410,400 Building $209,226	$619,626 (+1.07%) Land $410,400 Building $209,226
2024	$9,513.00 (+3.5%)
2023	$9,191.00 (+40.04%)	$613,091 (+50.51%) Land $424,080 Building $189,011	$613,091 (+50.51%) Land $424,080 Building $189,011
2022	$6,563.00	$407,336 Land $273,600 Building $133,736	$407,336 Land $273,600 Building $133,736

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Duval County (12031C), updated June 11, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Moderate
500-Year Floodplain	Yes
Special Flood Hazard Area	No
Coastal	Yes

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.