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12792 Bay Oaks Ln E, Jacksonville, FL 32223 Property Records

Duval County property record for 12792 Bay Oaks Ln E, Jacksonville, FL 32223

Property Summary

Property TypeSingle Family Home
Details4 bd · 4.5 ba · 3,849 sqft · built 1994
Lot Size1 acre (43,565 sqft)
Owner2 Individual Names on File
Last Sale$828,000 (Sep 2021)
Tax Bill$13,307 (2025)
Deeds & MortgagesSep 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN106069-0560

Property Details

APN / Parcel Number

Primary APN106069-0560

Interior

Bedrooms4 Beds
Full Baths4.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,849 sqft Living Area
Gross Area5,111 sqft
1st Floor Area2,652 sqft
Upper Floors Area1,197 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 1994
Exterior MaterialBrick
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area43,565 sqft
Lot Dimensions200 ft deep x 94 ft wide
Garage TypeAttached
Garage Area830 sqft
Parking Spaces3 Parking Spaces
Pool Area4 sqft
PorchFinished Screened Porch
Porch Area432 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address12792 BAY OAKS LN E
CityJACKSONVILLE
StateFL
Zip32223-0783
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRLD-120
Legal Description48-22 38-4S-26E RIVER BAY PLANTATION LOT 12
Legal Range26E
Legal Township04S
Legal Section38
Legal SubdivisionRIVER BAY PLANTATION
Legal Lot Number12
JurisdictionDUVAL FL
Township / Civil DivisionJACKSONVILLE EAST
Census Block Group1
Census Block1006
Census Tract16804

Owner

12792 Bay Oaks Ln E is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record2 Individual Names on File
Mailing Address12792 BAY OAKS LN E, JACKSONVILLE, FL 32223-0783
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 9, 2021 · Amount on File
Deed SaleSep 9, 2021 · Amount on File
Prior SaleSep 27, 1993
Deed Document Number2021235540
Deed Book / Page19902 / 1387
Prior Transfer DateApr 28, 2012
Prior Transfer Doc0159390808
Record UpdatedOct 29, 2026

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDUVAL FL
Recording DateSep 9, 2021
Property Address12792 BAY OAKS LN E, JACKSONVILLE, FL 32223-0783
Document Number0199021387
Book / Page19902 / 1387
Map ReferenceMB 48 PG 22,22A&22B
Instrument DateAug 24, 2021
Instrument2021235540
Transaction TypeTransfer
Record UpdatedSep 29, 2021
Title CompanyREALTY TITLE INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,796.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12712 SHERMAN DR, 12712, HUDSON, FL 34667-6347

Transferred To (Grantee/Buyer)

NameVerified Name
Address12792 BAY OAKS LN E, JACKSONVILLE, FL 32223-0783

Mortgage

Document Number199021388
DateSep 9, 2021
Instrument19902/1388
Lender
NameBETTER MORTGAGE CORPORATION
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueSep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 12792 Bay Oaks Ln E was $13,307 with a homeowner's exemption, up 3.6% from the year before.

Source: Duval County assessment roll, as of September 25, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyDuval County
MunicipalityJacksonville City
Unified School DistrictDuval County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$790,614 (+2.7%)$909,315 (-7.06%) Land $351,850 Building $557,465
2025$13,307.00 (+3.6%) Homeowner's exemption$769,829$978,440 Land $325,000 Building $653,440
2024$12,845.00 (+2.6%)
2023$12,520.00 (+8.78%) Homeowner's exemption$726,344 (+3%)$817,156 (+12.82%) Land $175,000 Building $642,156
2022$11,509.00 Homeowner's exemption$705,189$724,286 Land $130,000 Building $594,286

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

Flood

FEMA maps place 12792 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 85 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies85 in force
Nearby Flood Claims20 (1992–2017)
Claims Outside the SFHA13 of 20
Most Recent ClaimSep 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 12792 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 RiskLow
lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood0.03% annual chance
ExposureDirect
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 SystemJEA MAJOR GRID
serves 826,664 people · EPA ID FL2161328
Water SourceGroundwater
Last State InspectionFeb 2026
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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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