Duval County property record for 12643 Windy Willows Dr N, Jacksonville, FL 32225
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,751 sqft · built 1997 |
| Lot Size | 0.181 acres (7,902 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,978 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Nov 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 162200-3045 |
| Primary APN | 162200-3045 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,751 sqft Living Area |
| Gross Area | 2,175 sqft |
| 1st Floor Area | 1,751 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,902 sqft (0.181 acres) |
| View / Lot | Wetland |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 144 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 12643 WINDY WILLOWS DR N |
|---|---|
| City | JACKSONVILLE |
| State | FL |
| Zip | 32225-4199 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RLD-60 |
| Legal Description | 50-69 11-2S-28E TREVOR GREEN AT STERLING RIDGE UNIT 6 LOT 105 |
| Legal Range | 28E |
| Legal Township | 02S |
| Legal Section | 11 |
| Legal Subdivision | TREVOR GREN @ STRLNG RG 6 |
| Legal Lot Number | 105 |
| Legal Unit | 6 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE EAST |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 14335 |
12643 Windy Willows Dr N is owned and occupied by two individuals who acquired it in September 2014.
Source: Duval County records, as of September 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12643 WINDY WILLOWS DR N, JACKSONVILLE, FL 32225-4199 |
| 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.
| Date | Document |
|---|---|
| Sep 16, 2025 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Nov 6, 2020 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| May 2, 2017 | Loan Modification, Mortgage · Conventional Mortgage SUNTRUST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 9, 2014 |
| Deed Sale | Sep 9, 2014 |
| Prior Sale | Jul 12, 2001 · Amount on File |
| Deed Document Number | 2014203599 |
| Deed Book / Page | 16906 / 947 |
| Prior Transfer Date | Oct 13, 2006 |
| Prior Transfer Doc | 0136022365 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 12643 WINDY WILLOWS DR N, JACKSONVILLE, FL 32225-4199 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2025 |
| Name | Verified Name |
|---|---|
| Address | 12643 WINDY WILLOWS DR N, JACKSONVILLE, FL 32225-4199 |
| Document Number | 0216200376 |
|---|---|
| Date | Sep 16, 2025 |
| Book Page | 21620/376 |
| Instrument | 2025216187 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 12643 WINDY WILLOWS DR N, JACKSONVILLE, FL 32225-4199 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 12643 WINDY WILLOWS DR N, JACKSONVILLE, FL 32225-4199 |
| Document Number | 0194431999 |
|---|---|
| Date | Nov 6, 2020 |
| Book Page | 19443/1999 |
| Instrument | 2020248327 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 27, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 12643 WINDY WILLOWS DR N, JACKSONVILLE, FL 32225-4199 |
| Document Number | 0179810449 |
| Instrument Date | May 2, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2018 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 12643 WINDY WILLOWS DR N JACKSONVILLE FL 322254199, JACKSONVILLE, FL 32225-4199 |
| Document Number | 0179810449 |
|---|---|
| Date | May 12, 2017 |
| Book Page | 017981/000449 |
| Instrument | 112013 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | BELLE ISLE, FL 32809 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 11, 2047 |
The 2025 property tax bill for 12643 Windy Willows Dr N was $2,978 with exemptions applied, up 8.9% from the year before.
Source: Duval County assessment roll, as of September 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Duval County |
| Municipality | Jacksonville City |
| Unified School District | Duval County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $199,026 (+2.7%) | $392,439 (+15.19%) Land $184,304 Building $208,135 | |
| 2025 | $2,978.00 (+8.92%) Homeowner's exemption Widower's exemption | $193,794 | $340,675 Land $120,000 Building $220,675 |
| 2024 | $2,734.00 (+3.17%) | ||
| 2023 | $2,650.00 (+6.26%) Homeowner's exemption Widower's exemption | $182,848 (+3%) | $343,560 (+15.91%) Land $110,000 Building $233,560 |
| 2022 | $2,494.00 Homeowner's exemption Widower's exemption | $177,523 | $296,390 Land $75,000 Building $221,390 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12643 Windy Willows Dr N 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 60 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 60 in force |
| Nearby Flood Claims | 1 (2016) |
| Most Recent Claim | Oct 2016 · Hurricane Matthew |
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 risk around 12643 Windy Willows Dr N is moderate, ranking above 51% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · lower than 78% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 221 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| IQ Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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