Duval County property record for 720 Cherry St, Neptune Beach, FL 32266
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,903 sqft · built 1993 |
| Lot Size | 0.261 acres (11,353 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $746,900 (Oct 2022) |
| Tax Bill | $11,873 (2025) |
| Deeds & Mortgages | Oct 2022 Sale Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 172403-2295 |
| Primary APN | 172403-2295 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,903 sqft Living Area |
| Gross Area | 2,377 sqft |
| 1st Floor Area | 1,903 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 11,353 sqft (0.261 acres) |
| View / Lot | Pond |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 438 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 720 CHERRY ST |
|---|---|
| City | NEPTUNE BEACH |
| State | FL |
| Zip | 32266-6600 |
| 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 140 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 21 |
| Legal Subdivision | NEPTUNE BY THE SEA UNIT 3 |
| Legal Block | 1 |
| Legal Lot Number | 140 |
| Legal Unit | 3 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 14001 |
720 Cherry St is owner-occupied and held in a trust since May 2024.
Source: Duval County records, as of September 25, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 720 CHERRY ST, NEPTUNE BEACH, FL 32266-6600 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living 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 |
|---|---|
| Oct 4, 2022 | Warranty Deed, Transfer PONTE VEDRA TITLE LLC |
| Dec 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Aug 21, 2018 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 4, 2022 · Amount on File |
| Deed Sale | Oct 4, 2022 · Amount on File |
| Prior Sale | Jan 7, 2016 · Amount on File |
| Deed Document Number | 2022250746 |
| Deed Book / Page | 20453 / 341 |
| Last Transfer Date | May 23, 2024 |
| Transfer Doc | 0210780150 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Oct 4, 2022 |
| Property Address | 720 CHERRY ST, NEPTUNE BEACH, FL 32266-6600 |
| Document Number | 0204530341 |
| Book / Page | 20453 / 341 |
| Map Reference | MB 46 PG 78,78A&78B |
| Instrument Date | Sep 27, 2022 |
| Instrument | 2022250746 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2022 |
| Title Company | PONTE VEDRA TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $5,228.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 720 CHERRY ST, 720, NEPTUNE BEACH, FL 32266-6600 |
| Name | Verified Name |
|---|---|
| Address | 2341 OCEANWALK DR W, ATLANTIC BEACH, FL 32233-4695 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 720 CHERRY ST, NEPTUNE BEACH, FL 32266-6600 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 720 CHERRY ST, NEPTUNE BEACH, FL 32266-6600 |
| Document Number | 0194831460 |
|---|---|
| Date | Dec 7, 2020 |
| Book Page | 19483/1460 |
| Instrument | 2020271976 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 720 CHERRY ST, NEPTUNE BEACH, FL 32266-6600 |
| Document Number | 0185862408 |
| Instrument Date | Aug 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2018 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 720 CHERRY ST NEPTUNE BEACH FL 322666600, NEPTUNE BEACH, FL 32266-6600 |
| Document Number | 0185862408 |
|---|---|
| Date | Nov 5, 2018 |
| Book Page | 018586/002408 |
| Instrument | 261858 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Nov 4, 2058 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 720 Cherry St was $11,873 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 | $727,147 (+2.7%) | $812,440 (-2.73%) Land $486,599 Building $325,841 | |
| 2025 | $11,873.00 (+2.31%) Homeowner's exemption | $708,031 | $835,258 Land $450,000 Building $385,258 |
| 2024 | $11,605.00 (-3.11%) | ||
| 2023 | $11,978.00 (+105.03%) | $664,307 (+73.2%) Land $330,000 Building $334,307 | $664,307 (+25.02%) Land $330,000 Building $334,307 |
| 2022 | $5,842.00 Homeowner's exemption | $383,542 | $531,367 Land $300,000 Building $231,367 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 720 Cherry St in Zone X, an area of moderate flood risk, though there have been 55 flood claims nearby since 1978.
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 File 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.
Wildfire risk around 720 Cherry St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 289 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| IQ Fiber Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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