189 Cedar Bay Rd, Jacksonville, FL 32218 Property Records

Duval County property record for 189 Cedar Bay Rd, Jacksonville, FL 32218

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,976 sqft · built 1992
Lot Size	5.84 acres (254,764 sqft)
Owner	Individual Name on File
Last Sale	$655,000 (Dec 2022)
Tax Bill	$7,946 (2025)
Deeds & Mortgages	Dec 2022 Sale Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`108553-0000`

Property Details

APN / Parcel Number

Primary APN	`108553-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,976 sqft Living Area
Gross Area	3,696 sqft
1st Floor Area	1,976 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	254,764 sqft
Lot Dimensions	1,799 ft deep x 140 ft wide
View / Lot	River
Garage Area	1,740 sqft
Parking Spaces	6 Parking Spaces
Porch	Finished/Open Porch
Porch Area	1,720 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	189 CEDAR BAY RD
City	JACKSONVILLE
State	FL
Zip	32218-4919
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR-ACRE
Legal Description	115-282 07-1S-27E 5.85 BROWARD S/D LOT 10(EX PT RECD O/R 2636-787, 7299-1290)
Legal Range	27E
Legal Township	01S
Legal Section	07
Legal Subdivision	BROWARD S/D LOT 3 SEC 7-1
Legal Lot Number	10
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE NORTH
Census Block Group	1
Census Block	1019
Census Tract	10202

Owner

189 Cedar Bay Rd is owned and occupied by an individual who bought it in December 2022.

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

Owner of Record	Individual Name on File
Mailing Address	189 CEDAR BAY RD, JACKSONVILLE, FL 32218-4919
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
Dec 28, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 22, 2019	Quit Claim Deed, Transfer · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2022 · Amount on File
Deed Sale	Dec 28, 2022 · Amount on File
Prior Sale	Jun 22, 2019 · Amount on File
Deed Document Number	2022311227
Deed Book / Page	20537 / 233
Prior Transfer Date	May 15, 2019
Prior Transfer Doc	0188371296
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Dec 28, 2022
Property Address	189 CEDAR BAY RD, JACKSONVILLE, FL 32218-4919
Document Number	0205370233
Book / Page	20537 / 233
Map Reference	MB 115 PG 282
Instrument Date	Dec 21, 2022
Instrument	2022311227
Transaction Type	Transfer
Record Updated	Jan 5, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$4,585.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	189 CEDAR BAY RD, JACKSONVILLE, FL 32218-4919

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 CEDAR BAY RD, JACKSONVILLE, FL 32218-4919

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DUVAL FL
Recording Date	Jun 22, 2019
Property Address	189 CEDAR BAY RD, JACKSONVILLE, FL 32218-4919
Document Number	0188371296
Book / Page	018837 / 001296
Instrument Date	May 15, 2019
Instrument	146063
Transaction Type	Transfer
Record Updated	Jul 8, 2019
Title Company	VYSTAR TITLE AGENCY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	189 CEDAR BAY RD JACKSONVILLE FL 322184919, JACKSONVILLE, FL 32218-4919

Mortgage

Document Number	188371298
Date	Jun 22, 2019
Book Page	018837/001298
Instrument	146064

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 21, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 189 Cedar Bay Rd was $7,946 with a homeowner's exemption, up 4.6% 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		$478,695 (+2.7%)	$604,187 (+27.17%) Land $390,745 Building $213,442
2025	$7,946.00 (+4.57%) Homeowner's exemption	$466,111	$475,110 Land $256,690 Building $218,420
2024	$7,599.00 (-15.16%)
2023	$8,957.00 (+3,616.6%) Homeowner's exemption	$526,436 (+131.75%)	$531,324 (+12.77%) Land $324,240 Building $207,084
2022	$241.00 Homeowner's exemption Veteran's exemption Widower's exemption	$227,159	$471,145 Land $283,710 Building $187,435

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 189 Cedar Bay Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 36 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	36 in force
Nearby Flood Claims	4 (2008–2018)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Sep 2018 · other causes
Claims by Event	Tropical Storm Fay, Aug 2008 · 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 189 Cedar Bay 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 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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