1024 River Oaks Rd, Jacksonville, FL 32207 Property Records

Duval County property record for 1024 River Oaks Rd, Jacksonville, FL 32207

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,730 sqft · built 2003
Lot Size	0.236 acres (10,258 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,685,000 (Nov 2023)
Tax Bill	$24,360 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`082272-0000`

Property Details

APN / Parcel Number

Primary APN	`082272-0000`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	3 Stories
Building Area	4,730 sqft Living Area
Gross Area	6,425 sqft
1st Floor Area	2,079 sqft
Upper Floors Area	2,657 sqft
Basement Area	752 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,258 sqft (0.236 acres)
Lot Dimensions	125 ft deep x 58 ft wide
Garage Type	Attached
Garage Area	759 sqft
Parking Spaces	6 Parking Spaces
Porch	Finished/Open Porch
Porch Area	478 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	1024 RIVER OAKS RD
City	JACKSONVILLE
State	FL
Zip	32207-4110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RLD-60
Legal Description	10-9 25-2S-26E .25 SAN JOSE PARK LOT 1 BLK 10, 15-35 RIVER OAKS PT BLK 13 RECD O/R 20869-822
Legal Range	26E
Legal Township	02S
Legal Section	47
Legal Subdivision	SAN JOSE PARK
Legal Block	10,15
Legal Lot Number	1
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE EAST
Census Block Group	2
Census Block	2000
Census Tract	700

Owner

Source: Duval County records, as of September 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1024 RIVER OAKS RD, JACKSONVILLE, FL 32207-4110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2025	Deed of Trust, Mortgage · Conventional Mortgage LOANPEOPLE LLC
Nov 13, 2023	Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND
Aug 6, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UBS BANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2023 · Amount on Record
Deed Sale	Nov 13, 2023 · Amount on Record
Prior Sale	Dec 7, 2016 · Amount on Record
Deed Document Number	2023234702
Deed Book / Page	20869 / 822
Prior Transfer Date	Jul 27, 2020
Prior Transfer Doc	0193152218
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	1024 RIVER OAKS RD, JACKSONVILLE, FL 32207-4110
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1024 RIVER OAKS RD, JACKSONVILLE, FL 32207-4110

Mortgage

Document Number	0216770387
Date	Nov 4, 2025
Book Page	21677/387
Instrument	2025254390

Lender

Name	LOANPEOPLE LLC
Type	Mortgage Company
Address	AUSTIN, TX 78731

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11%
Index	SOFR Average 30-Day
Max Rate	11%

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Nov 13, 2023
Property Address	1024 RIVER OAKS RD, JACKSONVILLE, FL 32207-4110
Document Number	0208690822
Book / Page	20869 / 822
Map Reference	MB 10 PG 9
Instrument Date	Oct 30, 2023
Instrument	2023234702
Transaction Type	Transfer
Record Updated	Dec 4, 2023
Title Company	WATSON TITLE SERVICES/N FL INC, WATSON TTL SVCS OF NORTH FL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,795.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1230 MAPLETON RD, JACKSONVILLE, FL 32207-5345

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1024 RIVER OAKS RD, JACKSONVILLE, FL 32207-4110

Mortgage

Document Number	0208690824
Date	Nov 13, 2023
Instrument	20869//0824

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	12.2%
Max Rate	12.2%

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DUVAL FL
Recording Date	Aug 6, 2020
Property Address	1024 RIVER OAKS RD, JACKSONVILLE, FL 32207-4110
Document Number	0193152218
Book / Page	19315 / 2218
Map Reference	MB 10 PG 9
Instrument Date	Jul 27, 2020
Instrument	2020169279
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	FIDELITY NATIONAL TTL INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1024 RIVER OAKS RD, JACKSONVILLE, FL 32207-4110

Mortgage

Document Number	0193152220
Date	Aug 6, 2020
Instrument	19315/2220

Lender

Name	UBS BANK USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Aug 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

Tax Assessment & Valuation

Source: Duval County assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Duval County
Municipality	Jacksonville City
Unified School District	Duval County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,360,601 (-2.21%) Land $244,847 Building $1,115,754	$1,360,601 (-6.61%) Land $244,847 Building $1,115,754
2025	$24,360.00 (+2.95%) Homeowner's exemption	$1,391,321 (-12.16%)	$1,456,914 (-8.02%) Land $278,487 Building $1,178,427
2024	$23,662.00 (-9.46%)
2023	$26,135.00 (+22.46%)	$1,583,960 (+27.85%) Land $272,298 Building $1,311,662	$1,583,960 (+27.85%) Land $272,298 Building $1,311,662
2022	$21,341.00	$1,238,950 Land $272,298 Building $966,652	$1,238,950 Land $272,298 Building $966,652

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 42 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	42 in force
Nearby Flood Claims	8 (1979–2024)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 5 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	JEA MAJOR GRID serves 826,664 people · EPA ID FL2161328
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 205 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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