12237 Cobblestone Cir S, Jacksonville, FL 32225 Property Records

Duval County property record for 12237 Cobblestone Cir S, Jacksonville, FL 32225

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,106 sqft · built 1987
Lot Size	0.173 acres (7,522 sqft)
Owner	2 Individual Names on File
Last Sale	$394,900 (Jul 2023)
Tax Bill	$5,153 (2025)
Deeds & Mortgages	Mar 2025 Mortgage Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`161136-5035`

Property Details

APN / Parcel Number

Primary APN	`161136-5035`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,106 sqft Living Area
Gross Area	2,594 sqft
1st Floor Area	1,868 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,522 sqft (0.173 acres)
Lot Dimensions	105 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Pool Area	1 sqft
Porch	Finished/Open Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12237 COBBLESTONE CIR S
City	JACKSONVILLE
State	FL
Zip	32225-3792
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RLD-70
Legal Description	42-69 04-2S-28E COBBLESTONE UNIT 3 LOT 254
Legal Range	28E
Legal Township	02S
Legal Section	04
Legal Subdivision	COBBLESTONE UNIT 03
Legal Lot Number	254
Legal Unit	3
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE EAST
Census Block Group	1
Census Block	1009
Census Tract	14334

Owner

12237 Cobblestone Cir S is owned and occupied by two individuals who bought it in July 2023.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	12237 COBBLESTONE CIR S, JACKSONVILLE, FL 32225-3792
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2025	Deed of Trust, Mortgage · VA Mortgage NORWICH COMMERCIAL GROUP INC
Jul 11, 2023	Warranty Deed, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 25, 2023	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2023 · Amount on File
Deed Sale	Jul 11, 2023 · Amount on File
Prior Sale	Apr 25, 2023 · Amount on File
Deed Document Number	2023140705
Deed Book / Page	20739 / 1176
Prior Transfer Date	Apr 20, 2012
Prior Transfer Doc	0159380816
Record Updated	Oct 29, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	12237 COBBLESTONE CIR S, JACKSONVILLE, FL 32225-3792
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12237 COBBLESTONE CIR S, JACKSONVILLE, FL 32225-3792

Mortgage

Document Number	0213931835
Date	Mar 14, 2025
Book Page	21393/1835
Instrument	2025060616

Lender

Name	NORWICH COMMERCIAL GROUP INC
Type	Mortgage Company
Address	AVON, CT 06001

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2055

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Jul 11, 2023
Property Address	12237 COBBLESTONE CIR S, JACKSONVILLE, FL 32225-3792
Document Number	0207391176
Book / Page	20739 / 1176
Map Reference	MB 42 PG 69,69A-69E
Instrument Date	Jul 7, 2023
Instrument	2023140705
Transaction Type	Transfer
Record Updated	Jul 21, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,764.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12237 COBBLESTONE CIR S, JACKSONVILLE, FL 32225-3792

Mortgage

Document Number	0207391178
Date	Jul 11, 2023
Instrument	20739/1178

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Apr 25, 2023
Property Address	12237 COBBLESTONE CIR S, JACKSONVILLE, FL 32225-3792
Document Number	0206560207
Book / Page	20656 / 207
Map Reference	MB 42 PG 69,69A-69E
Instrument Date	Apr 24, 2023
Instrument	2023081963
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$2,359.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18142 LONGWATER RUN DR, TAMPA, FL 33647-2211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 12237 Cobblestone Cir S was $5,153 with exemptions applied, up 6% 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		$324,927 (+2.7%)	$326,471 (-1.13%) Land $118,243 Building $208,228
2025	$5,153.00 (+5.99%) Homeowner's exemption Veteran's exemption	$316,385	$330,197 Land $100,000 Building $230,197
2024	$4,862.00 (-6.84%)
2023	$5,219.00 (+13.63%)	$299,812 (+4.17%) Land $75,000 Building $224,812	$299,812 (+4.17%) Land $75,000 Building $224,812
2022	$4,593.00	$287,801 Land $75,000 Building $212,801	$287,801 Land $75,000 Building $212,801

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

Flood

FEMA maps place 12237 Cobblestone Cir S in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

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 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2013 · rainfall accumulation

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 12237 Cobblestone Cir S is low, with 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 80% of the US · lower than 93% 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 346 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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