Duval County property record for 457 Lora St, Neptune Beach, FL 32266
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,638 sqft · built 1972 |
| Lot Size | 0.142 acres (6,189 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $485,000 (Jun 2021) |
| Tax Bill | $7,431 (2025) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 173582-0000 |
| Primary APN | 173582-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,638 sqft Living Area |
| Gross Area | 1,743 sqft |
| 1st Floor Area | 1,638 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,189 sqft (0.142 acres) |
| Lot Dimensions | 110 ft deep x 50 ft wide |
| Porch | Finished Screened Porch |
| Porch Area | 105 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 457 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 15 BLK 10 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | JAX BEACH PARK |
| Legal Block | 10 |
| Legal Lot Number | 15 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 2 |
| Census Block | 2016 |
| 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 | 457 LORA ST, NEPTUNE BEACH, FL 32266-4944 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 25, 2021 · Amount on Record |
| Deed Sale | Jun 25, 2021 · Amount on Record |
| Prior Sale | Oct 16, 2017 · Amount on Record |
| Deed Document Number | 2021156518 |
| Deed Book / Page | 19774 / 2423 |
| Prior Transfer Date | Oct 13, 2017 |
| Prior Transfer Doc | 0181530828 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Jun 25, 2021 |
| Property Address | 457 LORA ST, NEPTUNE BEACH, FL 32266-4944 |
| Document Number | 0197742423 |
| Book / Page | 19774 / 2423 |
| Map Reference | MB 12 PG 93 |
| Instrument Date | Jun 9, 2021 |
| Instrument | 2021156518 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2021 |
| Title Company | AMERICAS CHOICE TITLE COMPANY, AMERICAS CHOICE TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,395.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 181 BUSHY FORK RD, 181, HURDLE MILLS, NC 27541-7645 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 457 LORA ST, NEPTUNE BEACH, FL 32266-4944 |
| Document Number | 197742425 |
|---|---|
| Date | Jun 25, 2021 |
| Instrument | 19774/2425 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 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 | $471,094 (+2.7%) | $498,820 (-1.37%) Land $368,000 Building $130,820 | |
| 2025 | $7,431.00 (+2.38%) Homeowner's exemption | $458,709 (+5.99%) | $505,739 (+8.65%) Land $368,000 Building $137,739 |
| 2024 | $7,258.00 (+2.78%) | ||
| 2023 | $7,062.00 (+9.17%) Homeowner's exemption | $432,799 (+3%) | $465,467 (+10.77%) Land $335,800 Building $129,667 |
| 2022 | $6,469.00 Homeowner's exemption | $420,194 Land $312,800 Building $107,394 | $420,194 Land $312,800 Building $107,394 |
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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