Neptune Beach Homes under $400,000

Welcome to Neptune Beach, Florida—a hidden gem nestled along the stunning Atlantic coastline! This charming city, part of Duval County, is renowned for its picturesque beaches, vibrant community, and laid-back lifestyle. With its sandy shores and inviting surf, Neptune Beach is the perfect place for those who crave the sun, sea, and a strong sense of community.

Neptune Beach boasts a delightful mix of quaint boutiques, local eateries, and lively entertainment options, all within walking distance. The city is known for its family-friendly atmosphere, making it an ideal location for both young families and retirees alike. With beautiful parks, bike paths, and a welcoming vibe, residents enjoy a plethora of outdoor activities, from beach volleyball to peaceful sunset strolls along the shore.

For homebuyers seeking affordable options, Neptune Beach offers an enticing selection of homes priced under $400,000. These properties often feature charming coastal designs, spacious layouts, and proximity to the beach, allowing you to embrace the coastal lifestyle without breaking the bank. Whether you’re looking for a cozy cottage, a modern townhouse, or a charming single-family home, there’s something for everyone in this vibrant community.

Living in Neptune Beach means enjoying a perfect blend of relaxation and adventure. With its stunning natural beauty, friendly neighbors, and affordable housing options, it's no wonder that so many people are eager to call this coastal paradise home. Come discover the magic of Neptune Beach, where your dream home awaits!

Newest Neptune Beach Homes under $400,000

$375,000

2 Beds ⋅ 2 Baths ⋅ 2166536 MLS

A rare find in Neptune Beach with space, privacy and features that are hard to duplicate at the beach! This 2BR/1.5BA townhome sits on an oversized .24-acre property and offers beautiful Intracoastal and marsh views, plus a detached 2-car garage with its own electric meter and private driveway—an exceptional find at this price point. Inside is bright and inviting with spacious living and dining areas, stainless appliances and indoor laundry. Outdoor living is a highlight with a screened rear porch, generous fenced yard, additional side yard and a private balcony off the primary bedroom overlooking the Intracoastal landscape—perfect for enjoying the sunset. No HOA! With a detached garage, unusually large outdoor space, water views and a tucked-away setting, this property offers a combination of privacy and versatility rarely available in Neptune Beach.

2531 Waters Edge Drive, Neptune Beach

Courtesy of BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY

Listing courtesy of BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY.

Listing courtesy of DANIEL R MCCARTHY from BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY.

$399,000

2 Beds ⋅ 2 Baths ⋅ 2151061 MLS

Enjoy the Beach Life in this highly sought after Coastal Community. Sample the Restaurants and Shops in Town Square at the shores of Neptune Beach. This is a great opportunity to own a property, newly renovated from Floor to Ceiling. Feels like new construction. Nestled in a nature-like setting captured in a quiet neighborhood and NO HOA. This 2-Story Townhome, with NEW ROOF (April 2026), is a 2 Bedroom, 1 1/2 Bath, all Upgraded. Vinyl Plank Flooring Downstairs and New Carpet Upstairs. Smooth Ceilings throughout. The Kitchen has Quartz Countertops, Subway-Tiled Backsplash. Brand New Frigidaire Stainless Steel Appliances, SS Sink. All Windows w/New Blinds. All new Lighting throughout and (3) Remote-Controlled Ceiling Fans w/Lights. Laundry Room, Bedrooms/Bath are located Upstairs. Large Closets. AC Unit Replaced (2023), New Hardy Board Siding, Windows, Garage Door and Patio Slider Replaced (2017). Large Patio w/Fenced Backyard & Trees! Also Available for Rent, MLS #2167725

2134 Rosewood Drive, Neptune Beach

Courtesy of INI REALTY

Listing courtesy of INI REALTY.

Listing courtesy of JULIE MILLER from INI REALTY.

$288,000

2 Beds ⋅ 2 Baths ⋅ 2145161 MLS

Looking for affordable coastal living in Neptune Beach? This updated 2BR/1.5BA townhouse offers modern style and convenience with no HOA located minutes from the beach, shopping and local restaurants. Enjoy an open-concept living/dining area with updated flooring, fresh paint, and new lighting. The kitchen features updated appliances and modern fixtures. A stylish half-bath and large laundry room complete the main level. Upstairs includes two spacious bedrooms and a renovated full bath. The primary bedroom offers a private balcony with a view of the Intracoastal, perfect for morning coffee or evening sunsets. The screened-in back porch overlooks a fully fenced backyard with fresh landscaping; ideal for relaxing, entertaining or enjoying the coastal breeze. Major updates include a newer roof, HVAC, plumbing, and electrical panel for peace of mind. Don't miss your chance to own a move-in ready home in one of Northeast Florida's most desirable coastal communities!

2513 Waters Edge Drive, Neptune Beach

Courtesy of LPT REALTY LLC

Listing courtesy of LPT REALTY LLC.

Listing courtesy of JORDAN RAYMOND MONTGOMERY from LPT REALTY LLC.

Start Your Search

The data relating to real estate for sale on this website appears in part through the SMARTMLS Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms, and is provided by SMARTMLS through a licensing agreement. Listing information is from various brokers who participate in the SMARTMLS IDX program and not all listings may be visible on the site. The property information being provided on or through the website is for the personal, non-commercial use of consumers and such information may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some properties which appear for sale on the website may no longer be available because they are for instance, under contract, sold or are no longer being offered for sale. Property information displayed is deemed reliable but is not guaranteed. Copyright 2026 SmartMLS, Inc.