Duval County property record for 1545 Francis Ave, Atlantic Beach, FL 32233
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 768 sqft · built 1956 |
| Lot Size | 0.126 acres (5,497 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $222,900 (May 2019) |
| Tax Bill | $2,585 (2025) |
| Deeds & Mortgages | Oct 2021 Line of Credit Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 172284-0000 |
| Primary APN | 172284-0000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 768 sqft Living Area |
| Gross Area | 866 sqft |
| 1st Floor Area | 768 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 5,497 sqft (0.126 acres) |
| Lot Dimensions | 100 ft deep x 55 ft wide |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 98 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 1545 FRANCIS AVE |
|---|---|
| City | ATLANTIC BEACH |
| State | FL |
| Zip | 32233-4307 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ARG-M |
| Legal Description | 26-50 17-2S-29E .126 ED SMITH S/D N 55FT LOT 2 BLK 1 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 17 |
| Legal Subdivision | ED SMITH S/D |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 13906 |
Source: Duval County records, as of September 25, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1545 FRANCIS AVE, ATLANTIC BEACH, FL 32233-4307 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 28, 2021 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Jan 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| May 23, 2019 | Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 23, 2019 · Amount on Record |
| Deed Sale | May 23, 2019 · Amount on Record |
| Prior Sale | Aug 24, 2015 · Amount on Record |
| Deed Document Number | 2019121083 |
| Deed Book / Page | 18803 / 843 |
| Prior Transfer Date | May 10, 2002 |
| Prior Transfer Doc | 0000141522 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 1545 FRANCIS AVE, ATLANTIC BEACH, FL 32233-4307 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 1545 FRANCIS AVE, ATLANTIC BEACH, FL 32233-4307 |
| Document Number | 0199812272 |
|---|---|
| Date | Oct 28, 2021 |
| Book Page | 19981/2272 |
| Instrument | 2021284693 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Nov 1, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 1545 FRANCIS AVE, ATLANTIC BEACH, FL 32233-4307 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1545 FRANCIS AVE, ATLANTIC BEACH, FL 32233-4307 |
| Document Number | 0195541563 |
|---|---|
| Date | Jan 25, 2021 |
| Book Page | 19554/1563 |
| Instrument | 2021021164 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | May 23, 2019 |
| Property Address | 1545 FRANCIS AVE, ATLANTIC BEACH, FL 32233-4307 |
| Document Number | 0188030843 |
| Book / Page | 18803 / 0843 |
| Map Reference | MB 26 PG 50 |
| Instrument Date | May 13, 2019 |
| Instrument | 2019121083 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | GIBRALTAR TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,560.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1156 CATALINA RD E, 1156, JACKSONVILLE, FL 32216-3220 |
| Name | Verified Name |
|---|---|
| Address | 1545 FRANCIS AVE, ATLANTIC BEACH, FL 32233-4307 |
| Document Number | 2019121084 |
|---|---|
| Date | May 23, 2019 |
| Instrument | 2019121084 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
Source: Duval County assessment roll, as of September 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| Municipality | Atlantic Beach City |
| County | Duval County |
| Unified School District | Duval County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $196,728 (+2.7%) | $253,684 (+1.54%) Land $118,162 Building $135,522 | |
| 2025 | $2,585.00 (+2.21%) Homeowner's exemption | $191,556 (+5.99%) | $249,843 (+14.4%) Land $117,480 Building $132,363 |
| 2024 | $2,529.00 (+3.27%) | ||
| 2023 | $2,449.00 (+8.84%) Homeowner's exemption | $180,736 (+3%) | $218,386 (+7.74%) Land $83,215 Building $135,171 |
| 2022 | $2,250.00 Homeowner's exemption | $175,472 | $202,696 Land $78,320 Building $124,376 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 289 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 289 in force |
| Nearby Flood Claims | 35 (1979–2024) |
| Claims Outside the SFHA | 32 of 35 |
| Most Recent Claim | Sep 2024 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ATLANTIC BEACH WATER SYSTEM serves 23,503 people · EPA ID FL2160200 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2023 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 561 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| IQ Fiber Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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