$1,499,900
124 HOPKINS Street, Neptune Beach, FL 32266, Neptune Beach, FL 32266
Bowes Oceanview
- Price
- $1,499,900
- Beds / Baths
- 4 / 4
- Living area
- 2,728 sqft
- Year built
- 1980
- Type
- Townhouse
- Lot
- 0.13 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Duval
- Days on market
- 103
- Elementary
- Neptune Beach
- Middle
- Duncan Fletcher
- High school
- Duncan Fletcher
$550/sqft asking, vs a $300/sqft median across 11 closed sales in 32266 over the last 12 months — 83% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Steps from the sand and framed by unobstructed ocean views, this rare Neptune Beach duplex offers the ultimate blend of coastal lifestyle, flexibility, and investment potential. Each residence features 2 bedrooms, 2 bathrooms, and approximately 1,300 square feet of light-filled living space with open floorplans designed for relaxed beachside living. Expansive front porches and balconies invite you to enjoy ocean breezes, morning coffee, and evenings spent people-watching after a walk on the sand. Unit #124 is located downstairs, while #126 occupies the upper level, making this property ideal as a primary residence, vacation retreat, guest house, income-producing rental, or future single-family conversion. Spacious living areas, oversized kitchens, and a coveted location just steps from beach access create endless possibilities. A rare opportunity to own a versatile property in one of Florida's most desirable beach communities, and enjoy the relaxed charm that defines Neptune Beach
What to check on this one
- Verify roof age and get wind-mitigation inspection quote — 46-year-old structure, insurer requirements strict.
- Obtain flood zone designation and elevation certificate from county — oceanfront location demands clarity.
- Pull 4-point inspection report (roof, HVAC, plumbing, electrical) — insurability threshold for this age.
- Confirm duplex/conversion zoning and rental license status for each unit — investment use contingent.
- Review property insurance quotes from 3+ carriers — beachfront year-1980 build will shock you.
- Check septic vs. municipal sewer connection and service history — Neptune Beach coastal infrastructure.
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $1,199,920 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST. Data via realMLS (Northeast Florida MLS), updated Sep 1, 2026, 8:42 AM.
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