1083 Spearing St, Jacksonville, FL 32206 Property Records

Duval County property record for 1083 Spearing St, Jacksonville, FL 32206

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,039 sqft · built 1914
Lot Size	0.086 acres (3,760 sqft)
Owner	Individual Name on File
Last Sale	$168,000 (Apr 2024)
Tax Bill	$2,501 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`122827-0000`

Property Details

APN / Parcel Number

Primary APN	`122827-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,039 sqft Living Area
Gross Area	1,114 sqft
1st Floor Area	1,039 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1914
Effective Year Built	Effective 2015
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	3,760 sqft (0.086 acres)
Lot Dimensions	89 ft deep x 45 ft wide
Porch	Finished/Open Porch
Porch Area	75 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1083 SPEARING ST
City	JACKSONVILLE
State	FL
Zip	32206-5792
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMD-A
Legal Description	01-156 S/D LOT 2 HULINGS S/D TRACT 3 OAKLAND LOT 4
Legal Range	27E
Legal Township	02S
Legal Section	18
Legal Subdivision	HULINGS S/D TRACT 03 OAK
Legal Tract	3
Legal Block	1
Legal Lot Number	2,4
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE WEST
Census Block Group	1
Census Block	1005
Census Tract	17400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Eastside Historic District listed 2023 · 678 contributing resources · NRIS 100009081

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

1083 Spearing St is owned and occupied by an individual who bought it in April 2024.

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

Owner of Record	Individual Name on File
Mailing Address	1083 SPEARING ST, JACKSONVILLE, FL 32206-5792
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Apr 9, 2024	Warranty Deed, Transfer · Conventional Mortgage ENCOMPASS LENDING GROUP LP
Jul 13, 2022	Deed of Trust, Mortgage FINANCE OF AMERICA MORTGAGE LLC
Dec 7, 2021	Warranty Deed, Transfer · Commercial Mortgage GROUNDFLOOR REAL ESTATE 1 LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2024 · Amount on File
Deed Sale	Apr 9, 2024 · Amount on File
Prior Sale	Dec 7, 2021 · Amount on File
Deed Document Number	202472046
Deed Book / Page	21007 / 2354
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Recording Date	May 4, 2026
Property Address	1083 SPEARING ST, JACKSONVILLE, FL 32206-5792
Document Number	0000103892
Book / Page	21893 / 912
Instrument Date	Mar 23, 2026
Instrument	2026103892
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1083 SPEARING ST, JACKSONVILLE, FL 32206-5792

Mortgage

Document Number	0000103892,
Date	May 4, 2026
Book Page	21893/912
Instrument	2026103892

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	May 1, 2066

Interest

Rate	6.01%
Max Rate	-1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Apr 9, 2024
Property Address	1083 SPEARING ST, JACKSONVILLE, FL 32206-5792
Document Number	0210072354
Book / Page	21007 / 2354
Map Reference	MB 1 PG 156
Instrument Date	Mar 22, 2024
Instrument	2024072046
Transaction Type	Transfer
Record Updated	Apr 22, 2024
Title Company	ALL FLORIDA TITLE COMPANY INC, ALL FLORIDA TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,176.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 PALISADES PL, PACIFIC, WA 98047-5003

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1083 SPEARING ST, JACKSONVILLE, FL 32206-5792

Mortgage

Document Number	0210072356
Date	Apr 9, 2024
Instrument	21007/2356

Lender

Name	ENCOMPASS LENDING GROUP LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	1083 SPEARING ST, JACKSONVILLE, FL 32206-5792
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	ALL FLORIDA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 PALISADES PL, PACIFIC, WA 98047-5003

Mortgage

Document Number	0203561677
Date	Jul 13, 2022
Book Page	20356/1677
Instrument	2022182644

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 8, 2052

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Dec 7, 2021
Property Address	1083 SPEARING ST, JACKSONVILLE, FL 32206-5792
Document Number	0200461045
Book / Page	20046 / 1045
Map Reference	MB 1 PG 156
Instrument Date	Nov 29, 2021
Instrument	2021322933
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ALL FLORIDA TITLE COMPANY INC, ALL FLORIDA TITLE SVCS INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6853 LENCZYK DR, 6853, JACKSONVILLE, FL 32277-2654

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 PALISADES PL, PACIFIC, WA 98047-5003

Mortgage

Document Number	0200461047
Date	Dec 7, 2021
Instrument	20046/1047

Lender

Name	GROUNDFLOOR REAL ESTATE 1 LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	5 Months
Due	May 28, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 1083 Spearing St was $2,501, up 75.4% from the year before.

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		$129,415 (+6.93%) Land $13,838 Building $115,577	$129,415 (+6.93%) Land $13,838 Building $115,577
2025	$2,501.00 (+75.39%)	$121,033 Land $13,838 Building $107,195	$121,033 Land $13,838 Building $107,195
2024	$1,426.00 (+1.78%)
2023	$1,401.00 (+14.27%)	$68,780 (+12.13%) Land $11,254 Building $57,526	$68,780 (+12.13%) Land $11,254 Building $57,526
2022	$1,226.00	$61,338 Land $8,118 Building $53,220	$61,338 Land $8,118 Building $53,220

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1083 Spearing St in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force

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

The area around 1083 Spearing St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 492 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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