12644 Cucumber Tree St, Jacksonville, FL 32218 Property Records

Duval County property record for 12644 Cucumber Tree St, Jacksonville, FL 32218

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,856 sqft · built 2023
Lot Size	0.145 acres (6,327 sqft)
Owner	Individual Name on File
Last Sale	$320,990 (Oct 2023)
Tax Bill	$7,480 (2025)
Deeds & Mortgages	Jan 2025 Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`019449-2675`

Property Details

APN / Parcel Number

Primary APN	`019449-2675`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,856 sqft Living Area
Gross Area	2,288 sqft
1st Floor Area	1,856 sqft
Flooring	Carpet

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,327 sqft (0.145 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	12 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12644 CUCUMBER TREE ST
City	JACKSONVILLE
State	FL
Zip	32218-3069
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	80-1 32-1N-26E ARBORS PHASE 2 LOT 90
Legal Subdivision	ARBORS PHASE 2
Legal Lot Number	90
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE NORTH
Census Block Group	3
Census Block	3000
Census Tract	10501

Owner

12644 Cucumber Tree St is owned and occupied by an individual who bought it in October 2023.

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

Owner of Record	Individual Name on File
Mailing Address	12644 CUCUMBER TREE ST, JACKSONVILLE, FL 32218-3069
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
Jan 10, 2025	Deed of Trust, Mortgage · VA Mortgage ZOOM HOME LENDING LLC
Oct 17, 2023	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2023 · Amount on File
Deed Sale	Oct 17, 2023 · Amount on File
Deed Document Number	2023215739
Deed Book / Page	20843 / 2437
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	12644 CUCUMBER TREE ST, JACKSONVILLE, FL 32218-3069
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12644 CUCUMBER TREE ST, JACKSONVILLE, FL 32218-3069

Mortgage

Document Number	0213241720
Date	Jan 10, 2025
Book Page	21324/1720
Instrument	2025007940

Lender

Name	ZOOM HOME LENDING LLC
Type	Mortgage Company
Address	LIVONIA, MI 48152

Agreement

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

October 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Oct 17, 2023
Property Address	12644 CUCUMBER TREE ST, JACKSONVILLE, FL 32218-3069
Document Number	0208432437
Book / Page	20843 / 2437
Map Reference	MB 80 PG 1-8
Instrument Date	Oct 13, 2023
Instrument	2023215739
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 1, 2025
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,247.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4220 RACE TRACK RD # RD100, RD100, SAINT JOHNS, FL 32259-2084

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12644 CUCUMBER TREE ST, JACKSONVILLE, FL 32218-3069

Mortgage

Document Number	0208432438
Date	Oct 17, 2023
Instrument	20843/2438

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 12644 Cucumber Tree St was $7,480 with exemptions applied, down 6.4% 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		$284,362 (+2.7%)	$304,655 (+10.03%) Land $65,000 Building $239,655
2025	$7,480.00 (-6.43%) Homeowner's exemption Veteran's exemption	$276,887 Land $65,000 Building $211,887	$276,887 Land $65,000 Building $211,887
2024	$7,994.00 (+148.57%)
2023	$3,216.00	$50,000 Land $50,000	$50,000 Land $50,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 12644 Cucumber Tree St in Zone X, an area of minimal flood risk.

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 22 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	22 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 12644 Cucumber Tree St is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 63% of the US · lower than 61% of Florida
Wildfire Likelihood	0.2% 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 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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