12545 Reginald Dr, Jacksonville, FL 32246 Property Records

Duval County property record for 12545 Reginald Dr, Jacksonville, FL 32246

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,199 sqft · built 1994
Lot Size	0.313 acres (13,613 sqft)
Owner	Individual Name on File
Last Sale	$119,700 (Jun 1994)
Tax Bill	$2,982 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2026 Sale
Flood Zone	Zone AE (high risk)
APN	`165285-4130`

Property Details

APN / Parcel Number

Primary APN	`165285-4130`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,199 sqft Living Area
Gross Area	2,829 sqft
1st Floor Area	2,199 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,613 sqft (0.313 acres)
Lot Dimensions	195 ft deep x 70 ft wide
View / Lot	Pond
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	230 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12545 REGINALD DR
City	JACKSONVILLE
State	FL
Zip	32246-1108
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	47-96 22-2S-28E KENSINGTON GARDENS UNIT 03D LOT 125
Legal Range	28E
Legal Township	02S
Legal Section	22
Legal Subdivision	KENSINGTON GARDNS UNIT 3D
Legal Lot Number	125
Legal Unit	3D
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE EAST
Census Block Group	1
Census Block	1000
Census Tract	14340

Owner

12545 Reginald Dr is owned and occupied by an individual who acquired it in May 2026.

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	Individual Name on File
Mailing Address	12545 REGINALD DR, JACKSONVILLE, FL 32246-1108
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
May 20, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 1994 · Amount on File
Deed Sale	Jun 13, 1994 · Amount on File
Deed Document Number	199485538
Deed Book / Page	7872 / 225
Last Transfer Date	May 18, 2026
Transfer Doc	0000117653
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	12545 REGINALD DR, JACKSONVILLE, FL 32246-1108
Transaction Type	Mortgage
Record Updated	Jun 2, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12545 REGINALD DR, JACKSONVILLE, FL 32246-1108

Mortgage

Document Number	0195971457
Date	Feb 22, 2021
Book Page	19597/1457
Instrument	2021046872

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	May 20, 2026
Property Address	12545 REGINALD DR, JACKSONVILLE, FL 32246-1108
Document Number	0000117653
Book / Page	21913 / 480
Instrument Date	May 18, 2026
Instrument	2026117653
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	12545 REGINALD DR, JACKSONVILLE, FL 32246-1108
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 12545 Reginald Dr was $2,982, up 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		$199,241 (+2.7%)	$392,758 (-0.13%) Land $130,829 Building $261,929
2025	$2,982.00 (+8.95%) Homeowner's exemption Veteran's exemption	$194,003	$393,253 Land $130,000 Building $263,253
2024	$2,737.00 (+3.17%)
2023	$2,653.00 (+9.63%) Homeowner's exemption Veteran's exemption	$183,045 (+3%)	$377,277 (+9.31%) Land $100,000 Building $277,277
2022	$2,420.00 Homeowner's exemption Veteran's exemption	$177,714	$345,142 Land $75,000 Building $270,142

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

Flood

FEMA maps place 12545 Reginald Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 132 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	132 in force
Nearby Flood Claims	2 (2017–2020)
Most Recent Claim	Feb 2020 · other causes

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 12545 Reginald Dr 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 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 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 372 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	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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