12803 Bay Oaks Ln E, Jacksonville, FL 32223 Property Records

Duval County property record for 12803 Bay Oaks Ln E, Jacksonville, FL 32223

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,379 sqft · built 1993
Lot Size	1 acre (43,561 sqft)
Owner	2 Trust Names on File
Last Sale	$715,000 (Nov 2023)
Tax Bill	$12,963 (2025)
Deeds & Mortgages	Nov 2023 Sale Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`106069-0575`

Property Details

APN / Parcel Number

Primary APN	`106069-0575`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,379 sqft Living Area
Gross Area	3,655 sqft
1st Floor Area	2,379 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,561 sqft
Lot Dimensions	270 ft deep x 217 ft wide
Garage Type	Attached
Garage Area	716 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed/Finished Porch
Porch Area	556 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12803 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 15
Legal Range	26E
Legal Township	04S
Legal Section	38
Legal Subdivision	RIVER BAY PLANTATION
Legal Block	1
Legal Lot Number	15
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE EAST
Census Block Group	1
Census Block	1006
Census Tract	16804

Owner

12803 Bay Oaks Ln E is held in a trust since December 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	14260 RIVER STORY DR, JACKSONVILLE, FL 32223-2402
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Nov 14, 2023	Warranty Deed, Transfer CAPSTONE TITLE LLC, COAST ONE TITLE LLC
Nov 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage 121 FINANCIAL CU
May 28, 2021	Warranty Deed, Transfer LANDMARK TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2023 · Amount on File
Deed Sale	Nov 14, 2023 · Amount on File
Prior Sale	May 28, 2021 · Amount on File
Deed Document Number	2023235165
Deed Book / Page	20869 / 2182
Last Transfer Date	Dec 23, 2024
Transfer Doc	0213090218
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Nov 14, 2023
Property Address	12803 BAY OAKS LN E, JACKSONVILLE, FL 32223-0783
Document Number	0208692182
Book / Page	20869 / 2182
Map Reference	MB 48 PG 22,22A&22B
Instrument Date	Nov 9, 2023
Instrument	2023235165
Transaction Type	Transfer
Record Updated	Dec 4, 2023
Title Company	CAPSTONE TITLE LLC, COAST ONE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$5,005.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	560 CLIFTON RD, CRESCENT CITY, FL 32112-5404

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14260 RIVER STORY DR, JACKSONVILLE, FL 32223-2402

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	12803 BAY OAKS LN E, JACKSONVILLE, FL 32223-0783
Transaction Type	Mortgage
Record Updated	Nov 26, 2021
Title Company	ADVANTAGEONE TITLE, ADVANTAGE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12803 BAY OAKS LN E, CRESCENT CITY, FL 32112

Mortgage

Document Number	0200012329
Date	Nov 8, 2021
Book Page	20001/2329
Instrument	2021296160

Lender

Name	121 FINANCIAL CU
Type	Credit Union
Address	JACKSONVILLE, FL 32203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2036

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	May 28, 2021
Property Address	12803 BAY OAKS LN E, JACKSONVILLE, FL 32223-0783
Document Number	0197432119
Book / Page	19743 / 2119
Map Reference	MB 48 PG 22,22A&22B
Instrument Date	May 14, 2021
Instrument	2021136414
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	LANDMARK TITLE

Transaction

Amount	Amount on Record
Tax	$3,920.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14030 ATLANTIC BLVD UNIT 3403, 14030, JACKSONVILLE, FL 32225-4091

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12803 BAY OAKS LN E, JACKSONVILLE, FL 32223-0783

Tax Assessment & Valuation

The 2025 property tax bill for 12803 Bay Oaks Ln E was $12,963, up 18.8% 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		$724,482 (-9.36%)	$747,780 (-6.44%) Land $331,334 Building $416,446
2025	$12,963.00 (+18.81%)	$799,277 Land $325,000 Building $474,277	$799,277 Land $325,000 Building $474,277
2024	$10,911.00 (+71.29%)
2023	$6,370.00 (-34.61%) Homeowner's exemption Veteran's exemption	$388,840 (-30.49%)	$638,175 (+14.08%) Land $175,000 Building $463,175
2022	$9,741.00	$559,425 Land $130,000 Building $429,425	$559,425 Land $130,000 Building $429,425

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

Flood

FEMA maps place 12803 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 12803 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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