504 Lora St, Neptune Beach, FL 32266 Property Records

Duval County property record for 504 Lora St, Neptune Beach, FL 32266

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,710 sqft · built 1960
Lot Size	0.194 acres (8,460 sqft)
Owner	2 Individual Names on File
Last Sale	$154,000 (Mar 2000)
Tax Bill	$3,173 (2025)
Deeds & Mortgages	Mar 2024 Second Mortgage
Flood Zone	Zone X (moderate risk)
APN	`173092-0000`

Property Details

APN / Parcel Number

Primary APN	`173092-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,710 sqft Living Area
Gross Area	1,922 sqft
1st Floor Area	1,710 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,460 sqft (0.194 acres)
Lot Dimensions	118 ft deep x 70 ft wide
Garage Type	Carport
Garage Area	212 sqft
Carport	Carport
Carport Area	212 sqft
Parking Spaces	1 Parking Space
Deck Area	714 sqft
Patio Area	750 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	504 LORA ST
City	NEPTUNE BEACH
State	FL
Zip	32266-4722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR-3
Legal Description	8-30 21-2S-29E MERIMAR E 20FT LOT 21,LOT 22 BLK 30
Legal Range	29E
Legal Township	02S
Legal Section	21
Legal Subdivision	MERIMAR
Legal Block	30
Legal Lot Number	21,22
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE BEACHES
Census Block Group	3
Census Block	3008
Census Tract	14001

Owner

504 Lora St is owned and occupied by two individuals who bought it in March 2000.

Source: Duval County records, as of September 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	504 LORA ST, NEPTUNE BEACH, FL 32266-4722
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2000 · Amount on File
Deed Sale	Mar 3, 2000 · Amount on File
Prior Sale	Dec 13, 1993
Deed Document Number	200049073
Deed Book / Page	9559 / 1293
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	504 LORA ST, NEPTUNE BEACH, FL 32266-4722
Transaction Type	Mortgage
Record Updated	Mar 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 LORA ST, NEPTUNE BEACH, FL 32266-4722

Mortgage

Document Number	0209720017
Date	Mar 7, 2024
Book Page	20972/17
Instrument	2024046487

Lender

Name	COMMUNITY FIRST CREDIT UNION OF FLORIDA
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 28, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 504 Lora St was $3,173 with a homeowner's exemption, up 2.6% from the year before.

Source: Duval County assessment roll, as of September 25, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$225,649 (+2.7%)	$618,735 (+2.43%) Land $399,796 Building $218,939
2025	$3,173.00 (+2.62%) Homeowner's exemption	$219,717	$604,064 Land $399,000 Building $205,064
2024	$3,092.00 (+3.17%)
2023	$2,997.00 (+10.02%) Homeowner's exemption	$207,306 (+3%)	$595,701 (+37.61%) Land $412,300 Building $183,401
2022	$2,724.00 Homeowner's exemption	$201,268	$432,897 Land $266,000 Building $166,897

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

Flood

FEMA maps place 504 Lora St in Zone X, an area of moderate flood risk, though there have been 11 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 104 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	104 in force
Nearby Flood Claims	11 (1979–2017)
Claims Outside the SFHA	10 of 11
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Tropical Storm Debby, Jun 2012 · 3 claims

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.

Wildfire

The area around 504 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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