$410,000
123 SAND CASTLE Way, Neptune Beach, FL 32266, Neptune Beach, FL 32266
Summer Sands
- Price
- $410,000
- Beds / Baths
- 2 / 3
- Living area
- 1,228 sqft
- Year built
- 1991
- Type
- Townhouse
- Lot
- 0.08 ac
- Garage
- 1
- HOA
- $111/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Duval
- Days on market
- 29
- Elementary
- Neptune Beach
- Middle
- Duncan Fletcher
- High school
- Duncan Fletcher
$334/sqft asking, vs a $300/sqft median across 11 closed sales in 32266 over the last 12 months — 11% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Beautiful townhome 1 mile from the beach! Tucked back in the leafy Summer Sands community of Neptune Beach, yet so conveniently located. This well maintained, two-story home offers 2 bedrooms, 3 baths, a 1-car garage, granite countertops, and a second refrigerator in the garage that conveys at closing. The screened porch and private backyard create a peaceful oasis for grilling, relaxing or entertaining. Enjoy the community pool and low-maintenance living with a $111 monthly HOA fee that includes lawn care, pool maintenance, and termite/pest control. Recent professional maintenance includes HVAC and plumbing service, dryer vent cleaning, gutter cleaning, pressure washing, and carpet cleaning. The HVAC and water heater were replaced in 2022. Just 15 blocks from the beach and Atlantic Beach Town Center, with restaurants, surf shops, boutiques, bookstores, and nightlife nearby. Take advantage of the Beaches lifestyle; you will love it!
What to check on this one
- Verify exact flood zone designation and obtain elevation certificate if in AE/VE.
- Confirm roof age and get inspection; 1991 home may trigger insurer 15-20 year limits.
- Review HOA docs: covenants, reserve studies, rental restrictions, special assessments pending.
- Request 4-point inspection (roof, HVAC, plumbing, electrical) and wind-mitigation report.
- Inspect for polybutylene plumbing (common 1991 era); verify 2022 water heater documentation.
- Confirm HVAC replacement in 2022 with receipts; check warranty transferability at closing.
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 $328,000 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 KELLER WILLIAMS REALTY ATLANTIC PARTNERS. Data via realMLS (Northeast Florida MLS), updated Aug 21, 2026, 9:46 PM.
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