2099 Smith Pointe Dr, Jacksonville, FL 32218 Property Records

Duval County property record for 2099 Smith Pointe Dr, Jacksonville, FL 32218

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,188 sqft · built 2018
Lot Size	0.433 acres (18,852 sqft)
Owner	2 Individual Names on File
Last Sale	$289,300 (May 2020)
Tax Bill	$4,238 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`044180-2525`

Property Details

APN / Parcel Number

Primary APN	`044180-2525`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,188 sqft Living Area
Gross Area	3,050 sqft
1st Floor Area	2,188 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	18,852 sqft (0.433 acres)
Garage Type	Attached
Garage Area	611 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	251 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2099 SMITH POINTE DR
City	JACKSONVILLE
State	FL
Zip	32218-3050
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RLD-60
Legal Description	62-79 49-1S-26E .43 SMITH POINTE LOT 1
Legal Range	26E
Legal Township	01S
Legal Section	49
Legal Subdivision	SMITH POINTE
Legal Block	1
Legal Lot Number	1
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE NORTH
Census Block Group	1
Census Block	1005
Census Tract	10305

Owner

2099 Smith Pointe Dr is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	2099 SMITH POINTE DR, JACKSONVILLE, FL 32218-3050
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
Mar 30, 2023	Deed of Trust, Mortgage · Line of Credit 121 FINANCIAL CU
May 5, 2020	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FBC MORTGAGE LLC
Jan 11, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2020 · Amount on File
Deed Sale	May 5, 2020 · Amount on File
Deed Document Number	202094131
Deed Book / Page	19196 / 869
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	2099 SMITH POINTE DR, JACKSONVILLE, FL 32218-3050
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2099 SMITH POINTE DR, JACKSONVILLE, FL 32218-3050

Mortgage

Document Number	0206292288
Date	Mar 30, 2023
Book Page	20629/2288
Instrument	2023063029

Lender

Name	121 FINANCIAL CU
Type	Credit Union
Address	JACKSONVILLE, FL 32203

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 29, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	May 5, 2020
Property Address	2099 SMITH POINTE DR, JACKSONVILLE, FL 32218-3050
Document Number	0191960869
Book / Page	19196 / 869
Map Reference	MB 62 PG 79-82
Instrument Date	Apr 30, 2020
Instrument	2020094131
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 22, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,025.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3000 GULF BREEZE PKWY, 3000, GULF BREEZE, FL 32563-5623

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2099 SMITH POINTE DR, JACKSONVILLE, FL 32218-3050

Mortgage

Document Number	0191960870
Date	May 5, 2020
Instrument	19196/0870

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Jan 11, 2018
Property Address	2099 SMITH POINTE DR, JACKSONVILLE, FL 32218-3050
Document Number	0182481968
Book / Page	018248 / 001968
Instrument Date	Dec 10, 2017
Instrument	8447
Transaction Type	Transfer
Record Updated	Mar 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3000 GULF BREEZE PKWY GULF BREEZE FL 325635623, GULF BREEZE, FL 32563-5623
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 2099 Smith Pointe Dr was $4,238 with a homeowner's exemption, up 6.8% 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		$265,769 (+2.7%)	$297,513 (-1.83%) Land $50,000 Building $247,513
2025	$4,238.00 (+6.78%) Homeowner's exemption	$258,782	$303,073 Land $50,000 Building $253,073
2024	$3,969.00 (+2.85%)
2023	$3,859.00 (+9.2%) Homeowner's exemption	$244,165 (+3%)	$339,419 (+23.71%) Land $58,500 Building $280,919
2022	$3,534.00 Homeowner's exemption	$237,054	$274,357 Land $45,000 Building $229,357

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

Flood

FEMA maps place 2099 Smith Pointe Dr in Zone X, an area of minimal flood risk, within 100 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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 42 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	42 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 2099 Smith Pointe Dr 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 67% of the US · lower than 92% 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 305 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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