532 2ND Street, Neptune Beach, FL, 32266 | $3,245,000

Featured on the 8th Annual Beaches Tour of Homes, this modern coastal home in Neptune Beach delivers bold architecture, flexible living, and a serene outdoor space, just two blocks to the ocean and five blocks to the lively Beaches Town Center. Completed in November 2025, this new construction home exudes luxury. Sitting on a prime corner lot framed by lush landscaping, dual driveways, and a signature Canary palm. A black and brick exterior demands curb appeal while warm oak tones with wide-plank engineered hardwood floors, and a light-filled interior is your invitation to stay with a feeling of calm and connection. Two owner's suites, one on each floor, make multi-generational living effortless. The upstairs suite features a coffered ceiling with white oak tongue-and-groove and dual custom walk-in closets. A spa-like bath with a Cristallo stone double vanity, dual Brizo rainhead showers, 66'' soaking tub, 3-person infrared sauna, smart bidet toilet, and a custom white oak mirrored ghost door add privacy to your wellness retreat. The first-floor suite includes its own walk-in closet and walk-in shower for added comfort and independence. Step through a custom 8' steel smart-glass front door into a warm and modern open-concept main level with 10' ceilings, a striking staircase with architectural louvers, and a moody designer powder room. The kitchen features floor-to-ceiling flat-panel cabinetry, 42" JennAir panel-ready fridge, Hestan gas range and dishwasher, leathered Taj Mahal quartzite island, under-cabinet lighting, and a butler's pantry with drawer microwave, second laundry, and leathered granite. Upstairs offers a loft lounge with wet bar and wine fridge, plus two guest bedrooms sharing a designer bath with split wet zone. A second laundry conveniently serves the upstairs bedrooms. Outdoor living shines with 16' sliding glass doors leading to a covered lanai, summer kitchen, firepit, and a saltwater pool with color-changing lights, sun shelf, and waterfall. The artificial turf yard is fully fenced with dual gates including a 50" golf cart gate and outdoor shower. No HOA. Not in a flood zone. A showpiece of form and function, this home is part of Neptune Beach's architectural story, designed for everyday ease and steps to the sand. This home doesn't just check boxes, it offers a lifestyle you won't find twice. Schedule your private showing today.

Features

  • Bedrooms: 4
  • Baths: 3 full / 1 half
  • Lot Size: 56x107
  • Laundry: In Unit, Lower Level, Upper Level
  • Style: Multi Generational, Other
  • Year Built: 2025
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 3,118
  • Acreage: 0.14
  • Lot Size: 56x107
  • Est. Taxes: $14,430
  • Lot Desc: Corner Lot, Sprinklers In Front, Sprinklers In Rear
  • Elem. School: Neptune Beach
  • Middle School: Fletcher Jr High
  • High School: Duncan Fletcher
  • Pool: In Ground, Fenced, Salt Water, Waterfall
  • Appliances: Dishwasher, Disposal, Dryer, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Washer/Dryer Stacked, Wine Cooler
  • MLS#: 2116246
  • Days on Market: 33 days
  • Website: https://www.raveis.com
    /eprop/2116246/5322ndstreet_neptunebeach_fl?source=qrflyer
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The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than William Raveis Real Estate are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.
Listing courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
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Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

532 2ND Street, Neptune Beach, FL, 32266

$3,245,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $2,596,000 $2,596,000 $2,596,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 6.000% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.440% 6.110% 5.952%
Monthly Tax Payment $1,203 $1,203 $1,203
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $14,944 $15,564 $21,557
Total Monthly Payment $16,271 $16,891 $22,884

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.