515 3rd St, Neptune Beach, FL 32266 Property Records

Duval County property record for 515 3rd St, Neptune Beach, FL 32266

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,615 sqft · built 1949
Lot Size	0.248 acres (10,800 sqft)
Owner	2 Individual Names on File
Last Sale	$655,000 (Jan 2021)
Tax Bill	$14,591 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`172975-0000`

Property Details

APN / Parcel Number

Primary APN	`172975-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,615 sqft Living Area
Gross Area	1,962 sqft
1st Floor Area	1,615 sqft
Flooring	Wood

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,800 sqft (0.248 acres)
Lot Dimensions	108 ft deep x 100 ft wide
View / Lot	Beach
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	39 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	515 3RD ST
City	NEPTUNE BEACH
State	FL
Zip	32266-5112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR-4
Legal Description	15-84 21-2S-29E HORNES S/D A R/P OF PT HORNES NEPTUNE ACRES LOTS 7,8 BLK 11
Legal Range	29E
Legal Township	02S
Legal Section	21
Legal Subdivision	HORNES S/D R/P PT HORNES
Legal Block	11
Legal Lot Number	7,8
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE BEACHES
Census Block Group	1
Census Block	1046
Census Tract	14001

Owner

Source: Duval County assessment roll, APN 172975-0000, as of 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	680 E COAST DR, ATLANTIC BEACH, FL 32233-5334
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 27, 2021 · Amount on Record
Deed Sale	Jan 27, 2021 · Amount on Record
Prior Sale	Mar 20, 2002 · Amount on Record
Deed Document Number	202123624
Deed Book / Page	19558 / 2201
Record Updated	Sep 20, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Jan 27, 2021
Property Address	515 3RD ST, NEPTUNE BEACH, FL 32266-5112
Document Number	0195582201
Book / Page	19558 / 2201
Map Reference	MB 15 PG 84
Instrument Date	Jan 25, 2021
Instrument	2021023624
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	OSBORNE & SHEFFIELD TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,585.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	180 M L KING AVE, 180, SAINT AUGUSTINE, FL 32084-5140

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	680 E COAST DR, ATLANTIC BEACH, FL 32233-5334

Mortgage

Document Number	0195582203
Date	Jan 27, 2021
Instrument	19558/2203

Lender

Name	TRUSTLINE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

Tax Assessment & Valuation

Source: Duval County assessment roll as of 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		$819,018 (+%) Land $819,000 Building $18	$819,018 (+%) Land $819,000 Building $18
2025	$14,591.00 (+4.96%)	$819,017 (+2%) Land $819,000 Building $17	$819,017 (+2%) Land $819,000 Building $17
2024	$13,901.00 (+12.96%)
2023	$12,306.00 (+12.94%)	$682,518 (+7.14%) Land $682,500 Building $18	$682,518 (+7.14%) Land $682,500 Building $18
2022	$10,896.00	$637,016 Land $637,000 Building $16	$637,016 Land $637,000 Building $16

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Duval County (12031C), as of June 11, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120310140011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 312 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	312 in force
Nearby Flood Claims	55 (1978–2024)
Claims Outside the SFHA	46 of 55
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Irma, Sep 2017 · 4 claims Tropical Storm Debby, Jun 2012 · 4 claims Tropical Storm Fay, Aug 2008 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, 343 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
IQ Fiber Intermediate Holdings Fiber	5,000 / 5,000
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL2160206, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NEPTUNE BEACH serves 7,270 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.