12871 Cacao Tree Trl, Jacksonville, FL 32218 Property Records

Duval County property record for 12871 Cacao Tree Trl, Jacksonville, FL 32218

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,488 sqft · built 2023
Lot Size	0.144 acres (6,262 sqft)
Owner	2 Individual Names on File
Last Sale	$319,390 (Feb 2024)
Tax Bill	$3,393 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`019449-2435`

Property Details

APN / Parcel Number

Primary APN	`019449-2435`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,488 sqft Living Area
Gross Area	1,888 sqft
1st Floor Area	1,488 sqft
Flooring	Wood

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,262 sqft (0.144 acres)
Garage Type	Attached
Garage Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12871 CACAO TREE TRL
City	JACKSONVILLE
State	FL
Zip	32218-3068
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	80-1 32-1N-26E ARBORS PHASE 2 LOT 42
Legal Subdivision	ARBORS PHASE 2
Legal Lot Number	42
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE NORTH
Census Block Group	3
Census Block	3000
Census Tract	10501

Owner

12871 Cacao Tree Trl is owned and occupied by two individuals who bought it in February 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	12871 CACAO TREE TRL, JACKSONVILLE, FL 32218-3068
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	2 Names on Deed
Last Sale	Feb 15, 2024 · Amount on File
Deed Sale	Feb 15, 2024 · Amount on File
Deed Document Number	202432021
Deed Book / Page	20952 / 2283
Record Updated	Oct 29, 2026

February 2024: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Feb 15, 2024
Property Address	12871 CACAO TREE TRL, JACKSONVILLE, FL 32218-3068
Document Number	0209522283
Book / Page	20952 / 2283
Map Reference	MB 80 PG 1-8
Instrument Date	Feb 9, 2024
Instrument	2024032021
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 1, 2025
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,236.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4220 RACE TRACK RD # RD100, RD100, ST JOHNS, FL 32259-2084

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12871 CACAO TREE TRL, JACKSONVILLE, FL 32218-3068

Mortgage

Document Number	0209522284
Date	Feb 15, 2024
Instrument	20952/2284

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 12871 Cacao Tree Trl was $3,393 with exemptions applied, down 54.4% 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		$252,505 (+2.7%)	$269,553 (+9.63%) Land $65,000 Building $204,553
2025	$3,393.00 (-54.38%) Homeowner's exemption Veteran's exemption Widower's exemption	$245,867 Land $65,000 Building $180,867	$245,867 Land $65,000 Building $180,867
2024	$7,438.00 (+131.28%)
2023	$3,216.00	$50,000 Land $50,000	$50,000 Land $50,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 12871 Cacao Tree Trl in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 22 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	22 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

Wildfire risk around 12871 Cacao Tree Trl is moderate, ranking above 61% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · lower than 65% of Florida
Wildfire Likelihood	0.1% 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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20