Duval County property record for 511 Bowles St, Neptune Beach, FL 32266
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,670 sqft · built 1955 |
| Lot Size | 0.206 acres (8,983 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $766,500 (Mar 2020) |
| Tax Bill | $12,625 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Apr 2021 Transfer + 4 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 173211-0000 |
| Primary APN | 173211-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,670 sqft Living Area |
| Gross Area | 3,681 sqft |
| 1st Floor Area | 2,670 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 8,983 sqft (0.206 acres) |
| Lot Dimensions | 120 ft deep x 74 ft wide |
| Garage Type | Attached |
| Garage Area | 804 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Unfinished Open Porch |
| Porch Area | 207 sqft |
| Deck Area | Deck Area |
| Patio Area | 42 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 511 BOWLES ST |
|---|---|
| City | NEPTUNE BEACH |
| State | FL |
| Zip | 32266-4715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR-2 |
| Legal Description | 25-64 21-2S-29E .203 MERIMAR TERRACE BY THE SEA UNIT 2 R/P N 1/2 BLK 29 MERIMAR LOT 2 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 21 |
| Legal Subdivision | MERIMAR TER BY THE SEA #2 |
| Legal Block | 29 |
| Legal Lot Number | 2 |
| Legal Unit | 2 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 14001 |
511 Bowles St is owned and occupied by two individuals who bought it in March 2020.
Source: Duval County records, as of September 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 511 BOWLES ST, NEPTUNE BEACH, FL 32266-4715 |
| 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 |
|---|---|
| Mar 31, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK |
| Apr 5, 2021 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Apr 5, 2021 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Mar 23, 2020 | Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK |
| Mar 2, 2018 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Feb 7, 2017 | Warranty Deed, Transfer · Conventional Mortgage ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 23, 2020 · Amount on File |
| Deed Sale | Mar 23, 2020 · Amount on File |
| Prior Sale | Feb 7, 2017 · Amount on File |
| Deed Document Number | 202068328 |
| Deed Book / Page | 19151 / 1885 |
| Prior Transfer Date | Mar 9, 2012 |
| Prior Transfer Doc | 0158870803 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 511 BOWLES ST, NEPTUNE BEACH, FL 32266-4715 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2021 |
| Name | Verified Name |
|---|---|
| Address | 511 BOWLES ST, NEPTUNE BEACH, FL 32266-4715 |
| Document Number | 0196570790 |
|---|---|
| Date | Mar 31, 2021 |
| Book Page | 19657/790 |
| Instrument | 2021082567 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Apr 5, 2021 |
| Property Address | 511 BOWLES ST, NEPTUNE BEACH, FL 32266-4715 |
| Document Number | 0196611187 |
| Book / Page | 19661 / 1187 |
| Map Reference | MB 25 PG 64 |
| Instrument Date | Mar 22, 2021 |
| Instrument | 2021084857 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 511 BOWLES ST, NEPTUNE BEACH, FL 32266-4715 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Apr 5, 2021 |
| Property Address | 511 BOWLES ST, NEPTUNE BEACH, FL 32266-4715 |
| Document Number | 0196621104 |
| Book / Page | 19662 / 1104 |
| Map Reference | MB 25 PG 64 |
| Instrument Date | Mar 4, 2021 |
| Instrument | 2021085414 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 511 BOWLES ST, NEPTUNE BEACH, FL 32266-4715 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Mar 23, 2020 |
| Property Address | 511 BOWLES ST, NEPTUNE BEACH, FL 32266-4715 |
| Document Number | 0191511885 |
| Book / Page | 19151 / 1885 |
| Map Reference | MB 25 PG 64 |
| Instrument Date | Mar 11, 2020 |
| Instrument | 2020068328 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,365.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4105 AVALON CIR, 4105, JACKSONVILLE BEACH, FL 32250-5843 |
| Name | Verified Name |
|---|---|
| Address | 511 BOWLES ST, NEPTUNE BEACH, FL 32266-4715 |
| Document Number | 0191511887 |
|---|---|
| Date | Mar 23, 2020 |
| Instrument | 19151/1887 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 511 BOWLES ST, NEPTUNE BEACH, FL 32266-4715 |
| Document Number | 0183812254 |
| Instrument Date | Mar 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2018 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 511 BOWLES ST NEPTUNE BEACH FL 322664715, NEPTUNE BEACH, FL 32266-4715 |
| Document Number | 0183812254 |
|---|---|
| Date | May 10, 2018 |
| Book Page | 018381/002254 |
| Instrument | 110833 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | May 9, 2058 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Feb 7, 2017 |
| Property Address | 511 BOWLES ST, NEPTUNE BEACH, FL 32266-4715 |
| Document Number | 0178690868 |
| Book / Page | 17869 / 0868 |
| Map Reference | MB 25 PG 64 |
| Instrument Date | Jan 31, 2017 |
| Instrument | 2017029381 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,341.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1823 TWELVE OAKS LN W, 1823, NEPTUNE BEACH, FL 32266-3109 |
| Name | Verified Name |
|---|---|
| Address | 511 BOWLES ST, NEPTUNE BEACH, FL 32266-4715 |
| Document Number | , 2017029382 |
|---|---|
| Date | Feb 7, 2017 |
| Instrument | 2017029382 |
| Type | Mortgage Company |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2047 |
The 2025 property tax bill for 511 Bowles St was $12,625 with a homeowner's exemption, up 2.3% 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 | $770,454 (+2.7%) | $1,042,880 (+4.04%) Land $457,333 Building $585,547 | |
| 2025 | $12,625.00 (+2.31%) Homeowner's exemption | $750,199 | $1,002,382 Land $426,240 Building $576,142 |
| 2024 | $12,340.00 (+7.16%) | ||
| 2023 | $11,516.00 (+8.94%) Homeowner's exemption | $679,805 (+3%) | $932,716 (+27.28%) Land $440,448 Building $492,268 |
| 2022 | $10,571.00 Homeowner's exemption | $660,005 | $732,816 Land $284,160 Building $448,656 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 511 Bowles 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 |
|
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 511 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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