Neptune Terrace
Homes for Sale in Neptune Beach, FL
All 30 homes for sale in Neptune Beach, FL · median $1,362,450 · 29 homes for sale in 32266 · Duval County homes for sale
True comps, carrying-cost math, and listings before the portals.
Neptune Terrace is a community in Neptune Beach, Duval County, FL (ZIP 32266). Across Neptune Beach as a whole, 70 homes closed in the last 12 months at a median of $700,000, 28 median days on market, with 16 homes for sale today. At that median and Duval County's FY2025-26 rate of 17.86 mills, annual property tax runs about $12,510 ($11,770 with the full homestead exemption).
Neptune Terrace sits in Neptune Beach, one of the smaller beach-side pockets of Duval County. What sets price here is less about any single spec and more about the location itself and the condition of the specific home in front of you. With no standout community amenities pulled from current MLS listings, buyers are paying for the address and the house, not for shared facilities.
As of mid-2026, treat this as a location-driven, condition-driven market. That means two comparable-sounding homes can price very differently based on updates and finish, and it puts a premium on walking the property and comparing it honestly against recent local sales rather than leaning on a headline number.
The 60-Second Overview
Neptune Terrace is a beach-adjacent Neptune Beach neighborhood where value tracks the home and the location rather than any community amenity package — there are no shared amenities identified from current MLS listings.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Neptune Terrace is best for.
Best for
- Buyers prioritizing a coastal Neptune Beach location over shared community facilities
- Buyers comfortable evaluating a home on its own condition and comparable sales
- Buyers who want a walkable beach-area address and will pay for the house itself
Probably not for
- Buyers who want pools, clubhouses, or gated-entry amenities included
- Buyers seeking a fixed, predictable price tier rather than a condition-driven range
- Buyers unwilling to scrutinize property condition before committing
The market around Neptune Terrace
Neptune Terrace is a small community — 1 recorded sale on file, most recently in 2017 — too few for its own price trend. Here is the market around it.
In ZIP 32266, 32 homes are on the market and 22% are under contract — a steady corner of Neptune Beach.
Across Duval County, 2,814 homes are active and 1,188 pending (30% under contract).
In ZIP 32266 (Neptune Beach), 110 homes closed in the last 12 months at a median of $650K ($415/sq ft), up 4.6% year over year, with a median 31 days on market. Right now 16 active and 3 pending listings put supply at about 3.4 months — a balanced market. See the live ZIP 32266 housing market and the Duval County market.
ZIP and county figures describe the wider market, not Neptune Terrace specifically. Momentum Research analysis of MLS records.
The Neptune Terrace buying strategy.
If we were buying in Neptune Terrace today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Neptune Terrace.
A location-first beach pocket
Neptune Beach is a compact coastal community within Duval County, and Neptune Terrace shares that proximity-to-the-coast character. Because the current MLS snapshot identifies no community amenities, the buying decision comes down to the individual property: lot, layout, condition, and how far you are from the things you actually use day to day.
For sellers, that same absence means presentation and condition do the heavy lifting. There is no clubhouse, pool, or gated entry to sell on your behalf, so the home has to stand on its own. Price it against genuinely comparable recent sales, and be prepared for buyers to weigh updates carefully.
The location and the amenities are priced into every listing in Neptune Terrace. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this location- and condition-driven, the number that matters is the one supported by comparable recent sales, not a headline average. We walk the property with you, weigh its condition against what has actually closed nearby, and tell you plainly when a home is priced for what it is — or when it is not your community.
Neptune Terrace in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Neptune Terrace buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Neptune Terrace sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Neptune Terrace, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Neptune Terrace home worth?
Get a no-obligation home value based on real comparable sales in Neptune Terrace, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Neptune Terrace on the map →
Should you buy in Neptune Terrace?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-07-12 |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live your area comps.
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See how Neptune Terrace fits the bigger picture — live prices, inventory, and Momentum Scores:
Schools serving nearby communities
We do not have a confirmed school assignment for Neptune Terrace. These are the public schools most often assigned to other communities in ZIP 32266; zones change and vary by address, so confirm with the district before you buy.
- Neptune Beach Elementary School · PreK-5 · FLDOE grade A (assigned to 10 nearby communities)
- Fletcher Middle School · Middle (assigned to 7 nearby communities)
- Duncan U. Fletcher High School · 9-12 · FLDOE grade A (assigned to 5 nearby communities)
- Duncan Fletcher High School · High (assigned to 5 nearby communities)
- Duncan U. Fletcher Middle School · 6-8 · FLDOE grade A (assigned to 2 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).
Common questions about Neptune Terrace
Where is Neptune Terrace?
Neptune Terrace is a community in Neptune Beach, Duval County, Florida, ZIP 32266.
Are there homes for sale in Neptune Terrace right now?
No active listings inside Neptune Terrace at the last feed refresh. In ZIP 32266, 32 homes are on the market and 22% are already under contract.
Does Neptune Terrace have an HOA or CDD?
No HOA is on record for Neptune Terrace in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.