Duval County property record for 534 Lora St, Neptune Beach, FL 32266
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,804 sqft · built 1954 |
| Lot Size | 0.222 acres (9,686 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $840,000 (May 2025) |
| Tax Bill | $9,036 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage Dec 2020 Sale |
| Flood Zone | Zone X (moderate risk) |
| APN | 173088-0000 |
| Primary APN | 173088-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,804 sqft Living Area |
| Gross Area | 2,279 sqft |
| 1st Floor Area | 1,804 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 9,686 sqft (0.222 acres) |
| Lot Dimensions | 117 ft deep x 82 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Unfinished Open Porch |
| Porch Area | 75 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 534 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 .22 MERIMAR E 6 INCHES LOT 14,LOT 15,W 32FT LOT 16 BLK 30 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 21 |
| Legal Subdivision | MERIMAR |
| Legal Block | 30 |
| Legal Lot Number | 14 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 14001 |
Source: Duval County records, as of September 25, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 534 LORA ST, NEPTUNE BEACH, FL 32266-4722 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 21, 2020 | Warranty Deed, Transfer · Conventional with PMI LOWER |
| Dec 21, 2020 | Warranty Deed, Transfer PONTE VEDRA TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 21, 2025 · Amount on File |
| Deed Sale | May 21, 2025 · Amount on File |
| Prior Sale | Dec 21, 2020 · Amount on File |
| Deed Document Number | 2025119510 |
| Deed Book / Page | 21477 / 1986 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Dec 21, 2020 |
| Property Address | 534 LORA ST, NEPTUNE BEACH, FL 32266-4722 |
| Document Number | 0195051450 |
| Book / Page | 019505 / 001450 |
| Instrument Date | Dec 15, 2020 |
| Instrument | 284664 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2021 |
| Title Company | POINTE VEDRA TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,270.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 534 LORA ST NEPTUNE BEACH FL 322664722, NEPTUNE BEACH, FL 32266-4722 |
| Document Number | 195051451 |
|---|---|
| Date | Dec 21, 2020 |
| Book Page | 019505/001451 |
| Instrument | 284665 |
| Name | LOWER |
|---|---|
| Address | COLUMBIA, MD 21044 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 20, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Dec 21, 2020 |
| Property Address | 534 LORA ST, NEPTUNE BEACH, FL 32266-4722 |
| Document Number | 0195051449 |
| Book / Page | 019505 / 001449 |
| Instrument Date | Dec 15, 2020 |
| Instrument | 284664 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Title Company | PONTE VEDRA TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $4,270.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 534 LORA ST NEPTUNE BEACH FL 322664722, NEPTUNE BEACH, FL 32266-4722 |
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 | $718,485 (+30.92%) Land $462,480 Building $256,005 | $718,485 (+2.44%) Land $462,480 Building $256,005 | |
| 2025 | $9,036.00 (+2.34%) Homeowner's exemption | $548,790 (+5.99%) | $701,378 (+1.44%) Land $462,480 Building $238,898 |
| 2024 | $8,829.00 (+2.72%) | ||
| 2023 | $8,595.00 (+9.07%) Homeowner's exemption | $517,791 (+3%) | $691,454 (+37.55%) Land $477,896 Building $213,558 |
| 2022 | $7,880.00 Homeowner's exemption | $502,710 Land $308,320 Building $194,390 | $502,710 Land $308,320 Building $194,390 |
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 |
| 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.
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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