12681 White Cedar Trl, Jacksonville, FL 32226 Property Records

Duval County property record for 12681 White Cedar Trl, Jacksonville, FL 32226

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,273 sqft · built 2006
Lot Size	0.241 acres (10,478 sqft)
Owner	Individual Name on Record
Tax Bill	$5,161 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Feb 2024 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`106578-0610`

Property Details

APN / Parcel Number

Primary APN	`106578-0610`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,273 sqft Living Area
Gross Area	2,910 sqft
1st Floor Area	2,273 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,478 sqft (0.241 acres)
Garage Type	Attached
Garage Area	461 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	176 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12681 WHITE CEDAR TRL
City	JACKSONVILLE
State	FL
Zip	32226-5032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	61-107 35-1N-27E .24 NORTHWOODS LOT 55
Legal Range	27E
Legal Township	01N
Legal Section	35
Legal Subdivision	NORTHWOODS
Legal Block	2
Legal Lot Number	55
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	12681 WHITE CEDAR TRL, JACKSONVILLE, FL 32226-5032
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2025	Deed of Trust, Mortgage · Commercial Mortgage PINNACLE BANK
Feb 6, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Nov 1, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Jun 3, 2020	Deed of Trust, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2020
Deed Sale	Jul 9, 2020
Prior Sale	Jan 10, 2007 · Amount on Record
Deed Document Number	2020141764
Deed Book / Page	19271 / 2415
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	12681 WHITE CEDAR TRL, JACKSONVILLE, FL 32226-5032
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12681 WHITE CEDAR TRL, JACKSONVILLE, FL 32226-5032

Mortgage

Document Number	0216752124
Date	Nov 4, 2025
Book Page	21675/2124
Instrument	2025253600

Lender

Name	PINNACLE BANK
Type	Bank
Address	RALEIGH, NC 27606

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	12681 WHITE CEDAR TRL, JACKSONVILLE, FL 32226-5032
Transaction Type	Mortgage
Record Updated	Feb 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12681 WHITE CEDAR TRL, JACKSONVILLE, FL 32226-5032

Mortgage

Document Number	0209431433
Date	Feb 6, 2024
Book Page	20943/1433
Instrument	2024024983

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Jan 1, 2039

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	12681 WHITE CEDAR TRL, JACKSONVILLE, FL 32226-5032
Transaction Type	Mortgage
Record Updated	Nov 10, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12681 WHITE CEDAR TRL, JACKSONVILLE, FL 32226-5032

Mortgage

Document Number	0199832425
Date	Nov 1, 2021
Book Page	19983/2425
Instrument	2021286009

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

June 2020: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	12681 WHITE CEDAR TRL, JACKSONVILLE, FL 32226-5032
Document Number	0192712417
Instrument Date	Jun 3, 2020
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12681 WHITE CEDAR TRL JACKSONVILLE FL 322265032, JACKSONVILLE, FL 32226-5032

Mortgage

Document Number	0192712417
Date	Jul 9, 2020
Book Page	019271/002417
Instrument	141765

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 8, 2050

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		$313,653 (-1%) Land $85,222 Building $228,431	$313,653 (-4.03%) Land $85,222 Building $228,431
2025	$5,161.00 (+6%) Homeowner's exemption Veteran's exemption	$316,808 (-1.39%)	$326,827 (+1.73%) Land $80,000 Building $246,827
2024	$4,869.00 (-5.18%)
2023	$5,135.00 (+14.98%) Homeowner's exemption Veteran's exemption	$321,263 (+12.89%) Land $75,000 Building $246,263	$321,263 (+12.89%) Land $75,000 Building $246,263
2022	$4,466.00	$284,587 Land $60,000 Building $224,587	$284,587 Land $60,000 Building $224,587

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 66% of the US · lower than 91% 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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