Duval County property record for 528 Seagate Ave, Neptune Beach, FL 32266
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,938 sqft · built 1964 |
| Lot Size | 0.14 acres (6,115 sqft) |
| Owner | Individual Name on File |
| Last Sale | $364,000 (Mar 2017) |
| Tax Bill | $6,570 (2025) |
| Deeds & Mortgages | Nov 2019 Line of Credit Apr 2019 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 173596-0000 |
| Primary APN | 173596-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,938 sqft Living Area |
| Gross Area | 2,490 sqft |
| 1st Floor Area | 1,056 sqft |
| Upper Floors Area | 882 sqft |
| Flooring | Tile |
| Interior Walls | Plywood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,115 sqft (0.14 acres) |
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 4 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 192 sqft |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 528 SEAGATE AVE |
|---|---|
| City | NEPTUNE BEACH |
| State | FL |
| Zip | 32266-4745 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR-3 |
| Legal Description | 12-93 28-2S-29E JACKSONVILLE BEACH PARK LO 11 BLK 11 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | JAX BEACH PARK |
| Legal Block | 11 |
| Legal Lot Number | 11 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 14001 |
528 Seagate Ave is owned and occupied by an individual who bought it in March 2017.
Source: Duval County records, as of September 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 528 SEAGATE AVE, NEPTUNE BEACH, FL 32266-4745 |
| 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 |
|---|---|
| Nov 18, 2019 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Apr 22, 2019 | Loan Modification, Mortgage · Conventional Mortgage VYSTAR CU |
| Jun 29, 2018 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Mar 24, 2017 | Warranty Deed, Transfer · Conventional with PMI VYSTAR CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 24, 2017 · Amount on File |
| Deed Sale | Mar 24, 2017 · Amount on File |
| Prior Sale | Nov 7, 2011 · Amount on File |
| Deed Document Number | 201768081 |
| Deed Book / Page | 17921 / 1290 |
| Prior Transfer Date | Jul 6, 2011 |
| Prior Transfer Doc | 0156490503 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 528 SEAGATE AVE, NEPTUNE BEACH, FL 32266-4745 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0190071878 |
|---|---|
| Date | Nov 18, 2019 |
| Book Page | 19007/1878 |
| Instrument | 2019265768 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | 94100 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 18, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 528 SEAGATE AVE, NEPTUNE BEACH, FL 32266-4745 |
| Document Number | 0188040099 |
| Instrument Date | Apr 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 528 SEAGATE AVE NEPTUNE BEACH FL 322664745, NEPTUNE BEACH, FL 32266-4745 |
| Document Number | 0188040099 |
|---|---|
| Date | May 23, 2019 |
| Book Page | 018804/000099 |
| Instrument | 121651 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32232-5085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | May 22, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 528 SEAGATE AVE, NEPTUNE BEACH, FL 32266-4745 |
| Document Number | 0184501907 |
| Instrument Date | Jun 29, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 528 SEAGATE AVE NEPTUNE BEACH FL 322664745, NEPTUNE BEACH, FL 32266-4745 |
| Document Number | 0184501907 |
|---|---|
| Date | Jul 11, 2018 |
| Book Page | 018450/001907 |
| Instrument | 161286 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 10, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Mar 24, 2017 |
| Property Address | 528 SEAGATE AVE, NEPTUNE BEACH, FL 32266-4745 |
| Document Number | 0179211290 |
| Book / Page | 017921 / 001290 |
| Instrument Date | Mar 22, 2017 |
| Instrument | 68081 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2017 |
| Title Company | LANDMARK TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,548.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 528 SEAGATE AVE NEPTUNE BEACH FL 322664745, NEPTUNE BEACH, FL 32266-4745 |
| Document Number | 179211292 |
|---|---|
| Date | Mar 24, 2017 |
| Book Page | 017921/001292 |
| Instrument | 68082 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32232-5085 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 23, 2047 |
The 2025 property tax bill for 528 Seagate Ave was $6,570 with a homeowner's exemption, up 2.4% 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 | $421,431 (+2.7%) | $529,933 (-1.42%) Land $375,968 Building $153,965 | |
| 2025 | $6,570.00 (+2.42%) Homeowner's exemption | $410,352 | $537,545 Land $360,000 Building $177,545 |
| 2024 | $6,415.00 (+2.8%) | ||
| 2023 | $6,240.00 (+9.26%) Homeowner's exemption | $387,173 (+3%) | $509,663 (+11.59%) Land $336,000 Building $173,663 |
| 2022 | $5,711.00 Homeowner's exemption | $375,897 | $456,718 Land $312,000 Building $144,718 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 528 Seagate Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 528 Seagate Ave 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 345 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| IQ Fiber Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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