12804 Bay Oaks Ln E, Jacksonville, FL 32223 Property Records

Duval County property record for 12804 Bay Oaks Ln E, Jacksonville, FL 32223

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,784 sqft · built 1996
Lot Size	1 acre (43,562 sqft)
Owner	Individual Name on File
Last Sale	$945,000 (May 2023)
Tax Bill	$16,337 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`106069-0555`

Property Details

APN / Parcel Number

Primary APN	`106069-0555`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,784 sqft Living Area
Gross Area	5,182 sqft
1st Floor Area	2,379 sqft
Upper Floors Area	1,405 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,562 sqft
Lot Dimensions	219 ft deep x 153 ft wide
Garage Type	Attached
Garage Area	695 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	4 sqft
Porch	Finished Screened Porch
Porch Area	703 sqft
Patio Area	28 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12804 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 11
Legal Range	26E
Legal Township	04S
Legal Section	38
Legal Subdivision	RIVER BAY PLANTATION
Legal Lot Number	11
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE EAST
Census Block Group	1
Census Block	1006
Census Tract	16804

Owner

12804 Bay Oaks Ln E is owned and occupied by an individual who bought it in May 2023.

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

Owner of Record	Individual Name on File
Mailing Address	12804 BAY OAKS LN E, JACKSONVILLE, FL 32223-0783
Occupancy	Owner Occupied
Owner Type	Individual

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 Names	Name on Deed
Last Sale	May 12, 2023 · Amount on File
Deed Sale	May 12, 2023 · Amount on File
Prior Sale	Oct 18, 2007 · Amount on File
Deed Document Number	202396798
Deed Book / Page	20677 / 1696
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	May 12, 2023
Property Address	12804 BAY OAKS LN E, JACKSONVILLE, FL 32223-0783
Document Number	0206771696
Book / Page	20677 / 1696
Map Reference	MB 48 PG 22,22A&22B
Instrument Date	May 8, 2023
Instrument	2023096798
Transaction Type	Transfer
Record Updated	May 26, 2023
Title Company	WATSON TITLE SERVICES/N FL INC, WATSON TTL SVCS OF NORTH FL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,615.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 E BAY ST STE 1207, 1207, JACKSONVILLE, FL 32202-2961

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12804 BAY OAKS LN E, JACKSONVILLE, FL 32223-0783

Mortgage

Document Number	0206771698
Date	May 12, 2023
Instrument	20677/1698

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 12804 Bay Oaks Ln E was $16,337, up 16.6% 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		$915,034 (-7.41%) Land $350,744 Building $564,290	$915,034 (-7.41%) Land $350,744 Building $564,290
2025	$16,337.00 (+16.61%)	$988,227 Land $325,000 Building $663,227	$988,227 Land $325,000 Building $663,227
2024	$14,010.00 (+18.25%)
2023	$11,848.00 (+38.83%) Homeowner's exemption	$688,940 (+29.88%)	$831,521 (+12.42%) Land $175,000 Building $656,521
2022	$8,534.00 Homeowner's exemption	$530,447	$739,687 Land $130,000 Building $609,687

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

Flood

FEMA maps place 12804 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 12804 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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