Duval County property record for 554 Bowles St, Neptune Beach, FL 32266
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,659 sqft · built 1955 |
| Lot Size | 0.238 acres (10,359 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,015,000 (Jun 2025) |
| Tax Bill | $5,813 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 173194-0000 |
| Primary APN | 173194-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,659 sqft Living Area |
| Gross Area | 2,059 sqft |
| 1st Floor Area | 1,659 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,359 sqft (0.238 acres) |
| Lot Dimensions | 114 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 260 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 140 sqft |
| Deck Area | 390 sqft |
| Patio Area | 390 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 554 BOWLES ST |
|---|---|
| City | NEPTUNE BEACH |
| State | FL |
| Zip | 32266-4716 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR-2 |
| Legal Description | 25-30 21-2S-29E .18 MERIMAR TERRACE BY THE SEA LOT 7,E 25FT OF ST LYING W THEREOF CLOSED BY UNRECD BCH ORD#1994-10 BLK 2 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 21 |
| Legal Subdivision | MERIMAR TER BY THE SEA |
| Legal Block | 2 |
| Legal Lot Number | 7 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 14001 |
554 Bowles St is owner-occupied and held in a trust since June 2025.
Source: Duval County records, as of September 25, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 1819 ARDEN WAY, JACKSONVILLE BEACH, FL 32250-2901 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
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 |
|---|---|
| Apr 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RESOURCE FINANCIAL SERVICES INC |
| Jul 1, 2019 | Warranty Deed, Transfer · Conventional Mortgage RESOURCE FINANCIAL SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2025 · Amount on File |
| Deed Sale | Jun 24, 2025 · Amount on File |
| Prior Sale | Jul 1, 2019 · Amount on File |
| Deed Document Number | 2025147250 |
| Deed Book / Page | 21518 / 284 |
| Prior Transfer Date | Dec 11, 2024 |
| Prior Transfer Doc | 0212970143 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 554 BOWLES ST, NEPTUNE BEACH, FL 32266-4716 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0191781147 |
|---|---|
| Date | Apr 16, 2020 |
| Book Page | 19178/1147 |
| Instrument | 2020083929 |
| Name | RESOURCE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, SC 29205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Jul 1, 2019 |
| Property Address | 554 BOWLES ST, NEPTUNE BEACH, FL 32266-4716 |
| Document Number | 0188471614 |
| Book / Page | 18847 / 1614 |
| Map Reference | MB 25 PG 30 |
| Instrument Date | Jun 26, 2019 |
| Instrument | 2019153012 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | PONTE VEDRA TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,745.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 304 3RD ST # ST7, 304, NEPTUNE BEACH, FL 32266-5109 |
| Name | Verified Name |
|---|---|
| Address | 554 BOWLES ST, NEPTUNE BEACH, FL 32266-4716 |
| Document Number | 0188471616 |
|---|---|
| Date | Jul 1, 2019 |
| Instrument | 18847/1616 |
| Name | RESOURCE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2049 |
The 2025 property tax bill for 554 Bowles St was $5,813 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 | $864,310 (+134.94%) Land $504,735 Building $359,575 | $864,310 (+2.93%) Land $504,735 Building $359,575 | |
| 2025 | $5,813.00 (+2.43%) | $367,888 | $839,695 Land $502,200 Building $337,495 |
| 2024 | $5,675.00 (+2.86%) | ||
| 2023 | $5,517.00 (+9.33%) Homeowner's exemption | $347,107 (+3%) | $821,798 (+34.55%) Land $518,940 Building $302,858 |
| 2022 | $5,046.00 Homeowner's exemption | $336,998 | $610,757 Land $334,800 Building $275,957 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 554 Bowles 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 554 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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