12978 Spring Rain Rd, Jacksonville, FL 32258 Property Records

Duval County property record for 12978 Spring Rain Rd, Jacksonville, FL 32258

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,480 sqft · built 2006
Lot Size	0.04 acres (1,755 sqft)
Owner	Individual Name on File
Last Sale	$177,500 (Aug 2018)
Tax Bill	$3,400 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`168085-0092`

Property Details

APN / Parcel Number

Primary APN	`168085-0092`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,480 sqft Living Area
Gross Area	1,884 sqft
1st Floor Area	640 sqft
Upper Floors Area	880 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Townhouse
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	1,755 sqft (0.04 acres)
View / Lot	Pond
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Finished Screened Porch
Porch Area	164 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12978 SPRING RAIN RD
City	JACKSONVILLE
State	FL
Zip	32258-5200
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	61-164 30-4S-28E .04 VERANO REPLAT LOT 4D
Legal Range	28E
Legal Township	04S
Legal Section	30
Legal Subdivision	VERANO REPLAT
Legal Lot Number	4D
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE EAST
Census Block Group	2
Census Block	2003
Census Tract	16812

Owner

12978 Spring Rain Rd is owned and occupied by an individual who bought it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	12978 SPRING RAIN RD, JACKSONVILLE, FL 32258-5200
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

Date	Document
Apr 1, 2025	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Jan 18, 2022	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Aug 31, 2018	Warranty Deed, Transfer · FHA Mortgage PACIFIC UNION FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2018 · Amount on File
Deed Sale	Aug 31, 2018 · Amount on File
Prior Sale	Apr 11, 2014 · Amount on File
Deed Document Number	2018206048
Deed Book / Page	18511 / 889
Prior Transfer Date	Jan 30, 2013
Prior Transfer Doc	0166860618
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	12978 SPRING RAIN RD, JACKSONVILLE, FL 32258-5200
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12978 SPRING RAIN RD, JACKSONVILLE, FL 32258-5200

Mortgage

Document Number	0214150704
Date	Apr 1, 2025
Book Page	21415/704
Instrument	2025076277

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	320 Months
Due	Dec 1, 2051

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	12978 SPRING RAIN RD, JACKSONVILLE, FL 32258-5200
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12978 SPRING RAIN RD, JACKSONVILLE, FL 32258-5200

Mortgage

Document Number	0200982084
Date	Jan 18, 2022
Book Page	20098/2084
Instrument	2022012497

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Aug 31, 2018
Property Address	12978 SPRING RAIN RD, JACKSONVILLE, FL 32258-5200
Document Number	0185110889
Book / Page	18511 / 0889
Map Reference	MB 61 PG 164
Instrument Date	Aug 9, 2018
Instrument	2018206048
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	MTI TITLE INSURANCE AGENCY I

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,242.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11895 WYNNFIELD LAKES CIR, 11895, JACKSONVILLE, FL 32246-4231

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12978 SPRING RAIN RD, JACKSONVILLE, FL 32258-5200

Mortgage

Document Number	2018206050
Date	Aug 31, 2018
Instrument	2018206050

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 12978 Spring Rain Rd was $3,400 with a homeowner's exemption, up 7.5% 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		$180,893 (+2.7%)	$218,854 (-7.87%) Land $60,000 Building $158,854
2025	$3,400.00 (+7.49%) Homeowner's exemption	$176,138	$237,541 Land $70,000 Building $167,541
2024	$3,163.00 (+2.5%)
2023	$3,086.00 (+7.41%) Homeowner's exemption	$166,189 (+3%)	$232,385 (+13.03%) Land $55,000 Building $177,385
2022	$2,873.00 Homeowner's exemption	$161,349	$205,591 Land $50,000 Building $155,591

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

Flood

FEMA maps place 12978 Spring Rain Rd in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	9 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 12978 Spring Rain Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach

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 684 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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