12791 Bay Oaks Ln E, Jacksonville, FL 32223 Property Records

Duval County property record for 12791 Bay Oaks Ln E, Jacksonville, FL 32223

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 5,557 sqft · built 1997
Lot Size	1 acre (43,588 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (Apr 2022)
Tax Bill	$14,703 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Apr 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`106069-0570`

Property Details

APN / Parcel Number

Primary APN	`106069-0570`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,557 sqft Living Area
Gross Area	6,732 sqft
1st Floor Area	2,981 sqft
Upper Floors Area	2,576 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,588 sqft
Lot Dimensions	215 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished Screened Porch
Porch Area	257 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12791 BAY OAKS LN E
City	JACKSONVILLE
State	FL
Zip	32223-0783
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RLD-120
Legal Description	48-22 38-4S-26E RIVER BAY PLANTATION LOT 14
Legal Range	26E
Legal Township	04S
Legal Section	38
Legal Subdivision	RIVER BAY PLANTATION
Legal Block	1
Legal Lot Number	14
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE EAST
Census Block Group	1
Census Block	1006
Census Tract	16804

Owner

12791 Bay Oaks Ln E is owned and occupied by two individuals who bought it in April 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	12791 BAY OAKS LN E, JACKSONVILLE, FL 32223-0783
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 29, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 27, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 6, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2022 · Amount on File
Deed Sale	Apr 27, 2022 · Amount on File
Prior Sale	Jun 6, 2018 · Amount on File
Deed Document Number	2022106959
Deed Book / Page	20243 / 1282
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	12791 BAY OAKS LN E, JACKSONVILLE, FL 32223-0783
Transaction Type	Mortgage
Record Updated	Jan 9, 2023
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12791 BAY OAKS LN E, JACKSONVILLE, FL 32223-0783

Mortgage

Document Number	0205390997
Date	Dec 29, 2022
Book Page	20539/997
Instrument	2022312690

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Apr 27, 2022
Property Address	12791 BAY OAKS LN E, JACKSONVILLE, FL 32223-0783
Document Number	0202431282
Book / Page	20243 / 1282
Map Reference	MB 48 PG 22,22A&22B
Instrument Date	Apr 13, 2022
Instrument	2022106959
Transaction Type	Transfer
Record Updated	May 11, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$7,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1478 RIVERPLACE BLVD APT 2104, 1478, JACKSONVILLE, FL 32207-1849

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12791 BAY OAKS LN E, JACKSONVILLE, FL 32223-0783

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Jun 6, 2018
Property Address	12791 BAY OAKS LN E, JACKSONVILLE, FL 32223-0783
Document Number	0184121311
Book / Page	018412 / 001311
Instrument Date	Jun 4, 2018
Instrument	133657
Transaction Type	Transfer
Record Updated	Jul 6, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$4,410.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9489 BEAUCLOIC OAKS DR JACKSONVILLE FL 32257, JACKSONVILLE, FL 32257

Tax Assessment & Valuation

The 2025 property tax bill for 12791 Bay Oaks Ln E was $14,703 with a homeowner's exemption, down 8.5% 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		$981,371 (+2.7%)	$1,078,444 (-8.41%) Land $331,856 Building $746,588
2025	$14,703.00 (-8.51%) Homeowner's exemption Additional exemption filed	$955,571	$1,177,455 Land $325,000 Building $852,455
2024	$16,070.00 (+16.63%)
2023	$13,779.00 (+15.96%) Homeowner's exemption	$797,631 (+0.04%)	$895,166 (+12.28%) Land $175,000 Building $720,166
2022	$11,883.00	$797,293 Land $130,000 Building $667,293	$797,293 Land $130,000 Building $667,293

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

Flood

FEMA maps place 12791 Bay Oaks Ln E in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 1992.

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 85 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	85 in force
Nearby Flood Claims	20 (1992–2017)
Claims Outside the SFHA	13 of 20
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 8 claims Hurricane Matthew, Oct 2016 · 3 claims Tropical Storm Josephine, Oct 1996 · 2 claims

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 12791 Bay Oaks Ln E is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% 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 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Hotwire Communications.

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