Duval County property record for 623 Cherry St, Neptune Beach, FL 32266
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,059 sqft · built 1994 |
| Lot Size | 0.272 acres (11,857 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $324,000 (Apr 2003) |
| Tax Bill | $4,662 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 172403-2185 |
| Primary APN | 172403-2185 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,059 sqft Living Area |
| Gross Area | 2,583 sqft |
| 1st Floor Area | 1,402 sqft |
| Upper Floors Area | 657 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 11,857 sqft (0.272 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 18 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 623 CHERRY ST |
|---|---|
| City | NEPTUNE BEACH |
| State | FL |
| Zip | 32266-6220 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR-2 |
| Legal Description | 46-78 20-2S-29E NEPTUNE BY THE SEA UNIT 3 LOT 118 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 21 |
| Legal Subdivision | NEPTUNE BY THE SEA UNIT 3 |
| Legal Block | 1 |
| Legal Lot Number | 118 |
| Legal Unit | 3 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 14001 |
Source: Duval County records, as of September 25, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 623 CHERRY ST, NEPTUNE BEACH, FL 32266-6220 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Apr 11, 2018 | Deed of Trust, Mortgage · VA Mortgage VYSTAR CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 15, 2003 · Amount on Record |
| Deed Sale | Apr 15, 2003 · Amount on Record |
| Prior Sale | Nov 17, 1998 · Amount on Record |
| Deed Document Number | 2003117151 |
| Deed Book / Page | 11032 / 838 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 623 CHERRY ST, NEPTUNE BEACH, FL 32266-6220 |
| Document Number | 0191092088 |
| Instrument Date | Feb 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 623 CHERRY ST NEPTUNE BEACH FL 322666220, NEPTUNE BEACH, FL 32266-6220 |
| Document Number | 0191092088 |
|---|---|
| Date | Feb 19, 2020 |
| Book Page | 019109/002088 |
| Instrument | 36910 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 18, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 623 CHERRY ST, NEPTUNE BEACH, FL 32266-6220 |
| Document Number | 0183522351 |
| Instrument Date | Apr 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 623 CHERRY ST NEPTUNE BEACH FL 322666220, NEPTUNE BEACH, FL 32266-6220 |
| Document Number | 0183522351 |
|---|---|
| Date | Apr 17, 2018 |
| Book Page | 018352/002351 |
| Instrument | 89405 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32232-5085 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 16, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
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 | $311,470 (+2.7%) | $719,834 (-2.18%) Land $464,517 Building $255,317 | |
| 2025 | $4,662.00 (+2.48%) Homeowner's exemption | $303,282 (+5.99%) | $735,908 (+26.46%) Land $450,000 Building $285,908 |
| 2024 | $4,549.00 (+2.97%) | ||
| 2023 | $4,418.00 (+9.55%) Homeowner's exemption | $286,151 (+3%) | $581,947 (+12%) Land $330,000 Building $251,947 |
| 2022 | $4,033.00 Homeowner's exemption | $277,817 | $519,613 Land $300,000 Building $219,613 |
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 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 |
|
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 343 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 · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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