11895 Arbor Lake Dr, Jacksonville, FL 32225 Property Records

Duval County property record for 11895 Arbor Lake Dr, Jacksonville, FL 32225

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,319 sqft · built 1994
Lot Size	0.109 acres (4,746 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (May 2020)
Tax Bill	$5,998 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`160672-1760`

Property Details

APN / Parcel Number

Primary APN	`160672-1760`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,319 sqft Living Area
Gross Area	1,742 sqft
1st Floor Area	1,319 sqft
Sunroom	Sunroom
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2011
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	4,746 sqft (0.109 acres)
View / Lot	Pond
Garage Type	Attached
Garage Area	407 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	16 sqft
Deck Area	Deck Area
Patio Area	42 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11895 ARBOR LAKE DR
City	JACKSONVILLE
State	FL
Zip	32225-1655
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	47-35 51-1S-28E WOODSONG LAKE LOT 32
Legal Range	28E
Legal Township	01S
Legal Section	51
Legal Subdivision	WOODSONG LAKE
Legal Lot Number	32
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE EAST
Census Block Group	1
Census Block	1001
Census Tract	14333

Owner

11895 Arbor Lake Dr is owned by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	1214 BIG TREE RD, NEPTUNE BEACH, FL 32266-3114
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	Name on Deed
Last Sale	May 19, 2020 · Amount on File
Deed Sale	May 19, 2020 · Amount on File
Prior Sale	Jul 2, 2013 · Amount on File
Deed Document Number	2020101460
Deed Book / Page	19208 / 1709
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	May 19, 2020
Property Address	11895 ARBOR LAKE DR, JACKSONVILLE, FL 32225-1655
Document Number	0192081709
Book / Page	19208 / 1709
Map Reference	MB 47 PG 35&35A-35C
Instrument Date	May 8, 2020
Instrument	2020101460
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	LANDMARK TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2636 SALT LAKE DR, 2636, JACKSONVILLE, FL 32211-4367

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11895 ARBOR LAKE DR, JACKSONVILLE, FL 32225-1655

Mortgage

Document Number	0192081711
Date	May 19, 2020
Instrument	19208/1711

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 11895 Arbor Lake Dr was $5,998, up 78.5% 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		$308,622 (-2.79%) Land $126,277 Building $182,345	$308,622 (-2.79%) Land $126,277 Building $182,345
2025	$5,998.00 (+78.46%)	$317,477 Land $120,000 Building $197,477	$317,477 Land $120,000 Building $197,477
2024	$3,361.00 (+2.97%)
2023	$3,264.00 (+9.35%) Homeowner's exemption	$212,062 (+3%)	$289,151 (+14.7%) Land $95,000 Building $194,151
2022	$2,985.00 Homeowner's exemption	$205,886	$252,088 Land $67,000 Building $185,088

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

Flood

FEMA maps place 11895 Arbor Lake Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017 · Hurricane Irma

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 11895 Arbor Lake Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% 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 146 locations within half a mile, as of December 31, 2025

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