12391 Sapp Rd, Jacksonville, FL 32226 Property Records

Duval County property record for 12391 Sapp Rd, Jacksonville, FL 32226

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 5,541 sqft · built 1979
Lot Size	2.39 acres (104,176 sqft)
Owner	2 Individual Names on File
Last Sale	$167,500 (Dec 2000)
Tax Bill	$2,579 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`106899-0055`

Property Details

APN / Parcel Number

Primary APN	`106899-0055`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	5,541 sqft Living Area
Gross Area	9,353 sqft
1st Floor Area	1,897 sqft
Upper Floors Area	3,294 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	104,176 sqft
Garage Type	Attached
Garage Area	682 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Finished/Open Porch
Porch Area	300 sqft
Deck Area	300 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12391 SAPP RD
City	JACKSONVILLE
State	FL
Zip	32226-1768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR-ACRE
Legal Description	1-7 37-1N-27E S/D JOHN BROWARD GRANT PT S1/2 SEC 33 RECD O/R 9817-779
Legal Range	27E
Legal Township	01N
Legal Section	37
Legal Subdivision	BROWARD GRANT JOHN S/D
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE NORTH
Census Block Group	2
Census Block	2000
Census Tract	10104

Owner

12391 Sapp Rd is owned and occupied by two individuals who bought it in December 2000.

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

Owner of Record	2 Individual Names on File
Mailing Address	12391 SAPP RD, JACKSONVILLE, FL 32226-1768
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
Feb 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage JFQ LENDING INC
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
May 2, 2018	Deed of Trust, Mortgage · Conventional with PMI MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2000 · Amount on File
Deed Sale	Dec 5, 2000 · Amount on File
Deed Document Number	2000278456
Deed Book / Page	9817 / 779
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	12391 SAPP RD, JACKSONVILLE, FL 32226-1768
Transaction Type	Mortgage
Record Updated	Mar 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12391 SAPP RD, JACKSONVILLE, FL 32226-1768

Mortgage

Document Number	0201522380
Date	Feb 15, 2022
Book Page	20152/2380
Instrument	2022046783

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85256

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	12391 SAPP RD, JACKSONVILLE, FL 32226-1768
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12391 SAPP RD, JACKSONVILLE, FL 32226-1768

Mortgage

Document Number	0194330352
Date	Oct 30, 2020
Book Page	19433/352
Instrument	2020242098

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	12391 SAPP RD, JACKSONVILLE, FL 32226-1768
Document Number	0183790183
Instrument Date	May 2, 2018
Transaction Type	Mortgage
Record Updated	May 28, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12391 SAPP RD JACKSONVILLE FL 322261768, JACKSONVILLE, FL 32226-1768

Mortgage

Document Number	0183790183
Date	May 8, 2018
Book Page	018379/000183
Instrument	108788

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 7, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 12391 Sapp Rd was $2,579 with a homeowner's exemption, up 9.9% 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		$168,013 (+2.7%)	$583,272 (+2.23%) Land $182,100 Building $401,172
2025	$2,579.00 (+9.88%) Homeowner's exemption	$163,596	$570,538 Land $166,070 Building $404,468
2024	$2,347.00 (+3.12%)
2023	$2,276.00 (+9.48%) Homeowner's exemption	$154,356 (+3%)	$592,716 (+23.69%) Land $166,070 Building $426,646
2022	$2,079.00 Homeowner's exemption	$149,861	$479,199 Land $73,545 Building $405,654

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

Flood

FEMA maps place 12391 Sapp Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 12391 Sapp Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.05% 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 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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