Duval County property record for 545 Lora St, Neptune Beach, FL 32266
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,135 sqft · built 2011 |
| Lot Size | 0.133 acres (5,804 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $115,000 (Jun 2009) |
| Tax Bill | $12,381 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 173693-0050 |
| Primary APN | 173693-0050 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,135 sqft Living Area |
| Gross Area | 3,958 sqft |
| 1st Floor Area | 1,277 sqft |
| Upper Floors Area | 1,858 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,804 sqft (0.133 acres) |
| Lot Dimensions | 110 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 590 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 233 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 545 LORA ST |
|---|---|
| City | NEPTUNE BEACH |
| State | FL |
| Zip | 32266-4721 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR-3 |
| Legal Description | 12-93 28-2S-29E .125 JACKSONVILLE BEACH PARK LOT 24 BLK 15 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | JAX BEACH PARK |
| Legal Block | 15 |
| Legal Lot Number | 24 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 14001 |
545 Lora St is owned and occupied by two individuals who bought it in June 2009.
Source: Duval County records, as of September 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 545 LORA ST, NEPTUNE BEACH, FL 32266-4721 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 19, 2009 · Amount on File |
| Deed Sale | Jun 19, 2009 · Amount on File |
| Prior Sale | Jan 7, 2009 |
| Deed Document Number | 2009145709 |
| Deed Book / Page | 14912 / 1839 |
| Prior Transfer Date | Jan 6, 2009 |
| Prior Transfer Doc | 0000003933 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 545 Lora St was $12,381 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 | $756,418 (+2.7%) | $947,815 (-3.36%) Land $357,580 Building $590,235 | |
| 2025 | $12,381.00 (+2.31%) Homeowner's exemption | $736,532 | $980,761 Land $345,000 Building $635,761 |
| 2024 | $12,102.00 (+2.66%) | ||
| 2023 | $11,789.00 (+8.94%) Homeowner's exemption | $694,928 (+3%) | $849,933 (+15.11%) Land $322,000 Building $527,933 |
| 2022 | $10,822.00 Homeowner's exemption | $674,688 | $738,351 Land $299,000 Building $439,351 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 545 Lora St in Zone X, an area of moderate 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 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.
The area around 545 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.
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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