12294 Cherry Bluff Dr, Jacksonville, FL 32218 Property Records

Duval County property record for 12294 Cherry Bluff Dr, Jacksonville, FL 32218

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,909 sqft · built 2019
Lot Size	0.144 acres (6,290 sqft)
Owner	Individual Name on Record
Last Sale	$229,592 (Nov 2019)
Tax Bill	$4,499 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`106524-0450`

Property Details

APN / Parcel Number

Primary APN	`106524-0450`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,909 sqft Living Area
Gross Area	2,601 sqft
1st Floor Area	1,909 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,290 sqft (0.144 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	272 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12294 CHERRY BLUFF DR
City	JACKSONVILLE
State	FL
Zip	32218-2258
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RLD-50
Legal Description	71-186 34-1N-27E CHERRY LAKES LOT 55
Legal Range	27E
Legal Township	01N
Legal Section	34
Legal Subdivision	CHERRY LAKES
Legal Lot Number	55
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE NORTH
Census Block Group	2
Census Block	2006
Census Tract	10104

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	Individual Name on Record
Mailing Address	12294 CHERRY BLUFF DR, JACKSONVILLE, FL 32218-2258
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Apr 6, 2022	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Mar 29, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Sep 10, 2024	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Feb 27, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CITY OF JACKSONVILLE
Jul 13, 2022	Intrafamily Transfer, Transfer
Nov 18, 2019	Warranty Deed, Subdivision Related Transfer · FHA Mortgage JET HOMELOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2019 · Amount on Record
Deed Sale	Nov 18, 2019 · Amount on Record
Deed Document Number	2019266115
Deed Book / Page	19008 / 753
Last Transfer Date	Jul 6, 2022
Transfer Doc	0203580862
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	12294 CHERRY BLUFF DR, JACKSONVILLE, FL 32218-2258
Transaction Type	Mortgage
Record Updated	Mar 12, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12294 CHERRY BLUFF DR, JACKSONVILLE, FL 32218-2258

Mortgage

Document Number	0198731113
Date	Aug 20, 2021
Book Page	19873/1113
Instrument	2021217456

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Nov 1, 2049

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	12294 CHERRY BLUFF DR, JACKSONVILLE, FL 32218-2258
Transaction Type	Mortgage
Record Updated	Mar 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12294 CHERRY BLUFF DR, JACKSONVILLE, FL 32218-2258

Mortgage

Document Number	0202092457
Date	Apr 6, 2022
Book Page	20209/2457
Instrument	2022085093

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	331 Months
Due	Nov 1, 2049

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	12294 CHERRY BLUFF DR, JACKSONVILLE, FL 32218-2258
Transaction Type	Mortgage
Record Updated	Mar 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12294 CHERRY BLUFF DR, JACKSONVILLE, FL 32218-2258

Mortgage

Document Number	0206280102
Date	Mar 29, 2023
Book Page	20628/102
Instrument	2023061752

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Apr 1, 2063

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	12294 CHERRY BLUFF DR, JACKSONVILLE, FL 32218-2258
Transaction Type	Mortgage
Record Updated	Mar 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12294 CHERRY BLUFF DR, JACKSONVILLE, FL 32218-2258

Mortgage

Document Number	0211890684
Date	Sep 10, 2024
Book Page	21189/684
Instrument	2024197724

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Sep 1, 2064

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	12294 CHERRY BLUFF DR, JACKSONVILLE, FL 32218-2258
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12294 CHERRY BLUFF DR, JACKSONVILLE, FL 32218-2258

Mortgage

Document Number	0213770953
Date	Feb 27, 2025
Book Page	21377/953
Instrument	2025049004

Lender

Name	CITY OF JACKSONVILLE
Type	Government Agency
Address	JACKSONVILLE, FL 32202

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	60 Months
Due	Feb 26, 2030

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DUVAL FL
Recording Date	Jul 13, 2022
Property Address	12294 CHERRY BLUFF DR, JACKSONVILLE, FL 32218-2258
Document Number	0203580862
Book / Page	20358 / 862
Map Reference	MB 71 PG 186
Instrument	2022183721
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12294 CHERRY BLUFF DR, 12294, JACKSONVILLE, FL 32218-2258

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12294 CHERRY BLUFF DR, JACKSONVILLE, FL 32218-2258

November 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Nov 18, 2019
Property Address	12294 CHERRY BLUFF DR, JACKSONVILLE, FL 32218-2258
Document Number	0190080753
Book / Page	19008 / 0753
Map Reference	MB 71 PG 186-191
Instrument Date	Oct 31, 2019
Instrument	2019266115
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 25, 2022
Title Company	GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11701 PHILIPS HWY # 300, 11701, JACKSONVILLE, FL 32256-1643

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12294 CHERRY BLUFF DR, JACKSONVILLE, FL 32218-2258

Mortgage

Document Number	0190080755
Date	Nov 18, 2019
Instrument	19008/0755

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

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		$274,548 (+0.38%) Land $65,000 Building $209,548	$274,548 (+0.38%) Land $65,000 Building $209,548
2025	$4,499.00 (-12.83%) Homeowner's exemption	$273,515 (-5.77%) Land $70,000 Building $203,515	$273,515 (-5.77%) Land $70,000 Building $203,515
2024	$5,161.00 (+4.56%)
2023	$4,936.00 (+14.26%)	$290,265 (+5.71%) Land $65,000 Building $225,265	$290,265 (+5.71%) Land $65,000 Building $225,265
2022	$4,320.00	$274,577 Land $60,000 Building $214,577	$274,577 Land $60,000 Building $214,577

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 67 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	67 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

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% 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	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 255 locations within half a mile, as of December 31, 2025

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

May also be available: IQ Fiber.

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