1095 Cornell Ln, Atlantic Beach, FL 32233 Property Records

Duval County property record for 1095 Cornell Ln, Atlantic Beach, FL 32233

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 996 sqft · built 1976
Lot Size	0.23 acres (10,007 sqft)
Owner	2 Individual Names on File
Tax Bill	$698 (2025)
Deeds & Mortgages	Sep 2019 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`177545-0000`

Property Details

APN / Parcel Number

Primary APN	`177545-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	996 sqft Living Area
Gross Area	1,512 sqft
1st Floor Area	996 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,007 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	68 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1095 CORNELL LN
City	ATLANTIC BEACH
State	FL
Zip	32233-3321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ARS-2
Legal Description	38-2S-29E .229 B DE CASTRO Y FERRER GRANT PT RECD O/R 18933-194
Legal Range	29E
Legal Township	02S
Legal Section	38
Legal Subdivision	SECTION LAND
Legal Block	2
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE BEACHES
Census Block Group	2
Census Block	2003
Census Tract	13902

Owner

1095 Cornell Ln is owned and occupied by two individuals who acquired it in September 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1095 CORNELL LN, ATLANTIC BEACH, FL 32233-3321
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 9, 2019
Transfer Doc	0189330194
Record Updated	Oct 29, 2026

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DUVAL FL
Recording Date	Sep 16, 2019
Property Address	1095 CORNELL LN, ATLANTIC BEACH, FL 32233-3321
Document Number	0189330194
Book / Page	018933 / 000194
Instrument Date	Sep 9, 2019
Instrument	213645
Transaction Type	Transfer
Record Updated	Oct 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1095 CORNELL LN JACKSONVILLE FL 322333321, JACKSONVILLE, FL 32233-3321

Mortgage

Document Number	189330198
Date	Sep 16, 2019
Book Page	018933/000198
Instrument	213646

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 15, 2049

Interest

Rate	11%

Tax Assessment & Valuation

The 2025 property tax bill for 1095 Cornell Ln was $698 with a homeowner's exemption, up 3.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$84,074 (+2.7%)	$318,674 (+4.65%) Land $200,250 Building $118,424
2025	$698.00 (+3.71%) Homeowner's exemption	$81,864	$304,509 Land $200,250 Building $104,259
2024	$673.00 (+5.65%)
2023	$637.00 (+14.16%) Homeowner's exemption	$77,240 (+3%)	$276,445 (+28.1%) Land $166,875 Building $109,570
2022	$558.00 Homeowner's exemption	$74,991	$215,796 Land $120,150 Building $95,646

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

Flood

FEMA maps place 1095 Cornell Ln in Zone X, an area of minimal flood risk, though there have been 28 flood claims nearby since 1993.

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
Flood Insurance Cost	Premium on File median of 110 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	110 in force
Nearby Flood Claims	28 (1993–2024)
Claims Outside the SFHA	13 of 28
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Matthew, Oct 2016 · 3 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

Wildfire risk around 1095 Cornell Ln is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	ATLANTIC BEACH WATER SYSTEM serves 23,503 people · EPA ID FL2160200
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 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	1 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 534 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20