Duval County property record for 703 Cherry St, Neptune Beach, FL 32266
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,100 sqft · built 1993 |
| Lot Size | 0.324 acres (14,114 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $403,000 (Feb 2008) |
| Tax Bill | $13,164 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Aug 2018 Loan Modification |
| Flood Zone | Zone X (moderate risk) |
| APN | 172403-2155 |
| Primary APN | 172403-2155 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,100 sqft Living Area |
| Gross Area | 3,024 sqft |
| 1st Floor Area | 2,100 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 14,114 sqft (0.324 acres) |
| Garage Type | Attached |
| Garage Area | 525 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 399 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 703 CHERRY ST |
|---|---|
| City | NEPTUNE BEACH |
| State | FL |
| Zip | 32266-6601 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR-2 |
| Legal Description | 46-78 21-2S-29E NEPTUNE BY THE SEA UNIT 3 LOT 112 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 21 |
| Legal Subdivision | NEPTUNE BY THE SEA UNIT 3 |
| Legal Block | 1 |
| Legal Lot Number | 112 |
| 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 | 703 CHERRY ST, NEPTUNE BEACH, FL 32266-6601 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST INTERNET BANK OF INDIANA |
| Aug 2, 2018 | Loan Modification, Mortgage · Conventional Mortgage SUNTRUST MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 20, 2008 · Amount on Record |
| Deed Sale | Feb 20, 2008 · Amount on Record |
| Prior Sale | Sep 27, 1993 |
| Deed Document Number | 200842511 |
| Deed Book / Page | 14388 / 1574 |
| Last Transfer Date | Jun 27, 2012 |
| Transfer Doc | 0160480647 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 703 CHERRY ST, NEPTUNE BEACH, FL 32266-6601 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 703 CHERRY ST, NEPTUNE BEACH, FL 32266-6601 |
| Document Number | 0194780526 |
|---|---|
| Date | Dec 4, 2020 |
| Book Page | 19478/526 |
| Instrument | 2020268903 |
| Name | FIRST INTERNET BANK OF INDIANA |
|---|---|
| Type | Bank |
| Address | FISHERS, IN 46037 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 177 Months |
| Due | Sep 1, 2035 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 703 CHERRY ST, NEPTUNE BEACH, FL 32266-6601 |
| Document Number | 0185140733 |
| Instrument Date | Aug 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2018 |
| Name | Verified Name |
|---|---|
| Address | 703 CHERRY ST NEPTUNE BEACH FL 322666601, NEPTUNE BEACH, FL 32266-6601 |
| Document Number | 0185140733 |
|---|---|
| Date | Sep 4, 2018 |
| Book Page | 018514/000733 |
| Instrument | 208207 |
| Name | SUNTRUST MTG |
|---|---|
| Type | Mortgage Company |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 3, 2038 |
| Rate Type | Fixed 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 | $750,452 (-2.48%) Land $463,686 Building $286,766 | $750,452 (-2.48%) Land $463,686 Building $286,766 | |
| 2025 | $13,164.00 (+5.37%) | $769,547 (+26.55%) Land $450,000 Building $319,547 | $769,547 (+26.55%) Land $450,000 Building $319,547 |
| 2024 | $12,493.00 (+15.34%) | ||
| 2023 | $10,831.00 (+16.75%) | $608,084 (+12.11%) Land $330,000 Building $278,084 | $608,084 (+12.11%) Land $330,000 Building $278,084 |
| 2022 | $9,277.00 | $542,406 Land $300,000 Building $242,406 | $542,406 Land $300,000 Building $242,406 |
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 |
| 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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