12648 White Cedar Trl, Jacksonville, FL 32226 Property Records

Duval County property record for 12648 White Cedar Trl, Jacksonville, FL 32226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,735 sqft · built 2008
Lot Size	0.158 acres (6,888 sqft)
Owner	Individual Name on Record
Last Sale	$299,000 (Feb 2023)
Tax Bill	$5,351 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Dec 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`106578-0635`

Property Details

APN / Parcel Number

Primary APN	`106578-0635`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,735 sqft Living Area
Gross Area	2,442 sqft
1st Floor Area	1,735 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,888 sqft (0.158 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	267 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12648 WHITE CEDAR TRL
City	JACKSONVILLE
State	FL
Zip	32226-5031
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	61-107 35-1N-27E .16 NORTHWOODS LOT 60
Legal Range	27E
Legal Township	01N
Legal Section	35
Legal Subdivision	NORTHWOODS
Legal Lot Number	60
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE NORTH
Census Block Group	2
Census Block	2002
Census Tract	10106

Owner

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 Record
Mailing Address	1110 RADIS PL, JACKSONVILLE, FL 32225-9075
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2023	Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP
Dec 29, 2022	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Jun 2, 2022	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Dec 3, 2020	Loan Modification, Mortgage · Conventional with PMI PENNYMAC
Apr 23, 2018	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2023 · Amount on Record
Deed Sale	Feb 10, 2023 · Amount on Record
Prior Sale	Jun 2, 2022 · Amount on Record
Deed Document Number	202327571
Deed Book / Page	20579 / 810
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Feb 10, 2023
Property Address	12648 WHITE CEDAR TRL, JACKSONVILLE, FL 32226-5031
Document Number	0205790810
Book / Page	20579 / 810
Map Reference	MB 61 PG 107-112
Instrument Date	Feb 7, 2023
Instrument	2023027571
Transaction Type	Transfer
Record Updated	Feb 22, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,093.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1110 RADIS PL, JACKSONVILLE, FL 32225-9075

Mortgage

Document Number	0020579818
Date	Feb 10, 2023
Instrument	20579/818

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Dec 29, 2022
Property Address	12648 WHITE CEDAR TRL, JACKSONVILLE, FL 32226-5031
Document Number	0205400337
Book / Page	20540 / 337
Map Reference	MB 61 PG 107-111
Instrument Date	Dec 28, 2022
Instrument	2022313312
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Jun 2, 2022
Property Address	12648 WHITE CEDAR TRL, JACKSONVILLE, FL 32226-5031
Document Number	0203072212
Book / Page	20307 / 2212
Map Reference	MB 61 PG 107-112
Instrument Date	Jun 2, 2022
Instrument	2022148864
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$2,380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12356 HICKORY TREE CT, JACKSONVILLE, FL 32226-2373

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DUVAL FL
Property Address	12648 WHITE CEDAR TRL, JACKSONVILLE, FL 32226-5031
Document Number	0195361791
Instrument Date	Dec 3, 2020
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12648 WHITE CEDAR TRL JACKSONVILLE FL 322265031, JACKSONVILLE, FL 32226-5031

Mortgage

Document Number	0195361791
Date	Jan 13, 2021
Book Page	019536/001791
Instrument	10408

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2051

Interest

Rate Type	Fixed Rate
Rate	3.5%

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Apr 23, 2018
Property Address	12648 WHITE CEDAR TRL, JACKSONVILLE, FL 32226-5031
Document Number	0183581397
Book / Page	18358 / 1397
Map Reference	MB 61 PG 107-112
Instrument Date	Apr 20, 2018
Instrument	2018093855
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,441.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4355 ROGERS ISLAND DR E, 4355, JACKSONVILLE, FL 32224-7449

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12648 WHITE CEDAR TRL, JACKSONVILLE, FL 32226-5031

Mortgage

Document Number	2018093856
Date	Apr 23, 2018
Instrument	2018093856

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

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		$270,034 (-3.91%) Land $80,000 Building $190,034	$270,034 (-3.91%) Land $80,000 Building $190,034
2025	$5,351.00 (+9.27%)	$281,009 (+1.11%) Land $80,000 Building $201,009	$281,009 (+1.11%) Land $80,000 Building $201,009
2024	$4,897.00 (-5.54%)
2023	$5,184.00 (+111.25%)	$277,935 (+54.67%) Land $75,000 Building $202,935	$277,935 (+13.17%) Land $75,000 Building $202,935
2022	$2,454.00 Homeowner's exemption Veteran's exemption	$179,701	$245,597 Land $60,000 Building $185,597

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 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	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 330 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
Verizon Fixed Wireless	300 / 20

May also be available: IQ Fiber.

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