2138 Ernest St, Jacksonville, FL 32204 Property Records

Duval County property record for 2138 Ernest St, Jacksonville, FL 32204

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,245 sqft · built 1926
Lot Size	0.126 acres (5,474 sqft)
Owner	2 Individual Names on File
Last Sale	$389,000 (Nov 2025)
Tax Bill	$6,344 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`091432-0000`

Property Details

APN / Parcel Number

Primary APN	`091432-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,245 sqft Living Area
Gross Area	1,737 sqft
1st Floor Area	1,221 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1995
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,474 sqft (0.126 acres)
Lot Dimensions	118 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	302 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	230 sqft
Deck Area	160 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2138 ERNEST ST
City	JACKSONVILLE
State	FL
Zip	32204-3208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMD-B
Legal Description	4-6 56-2S-26E RIVERSIDE W1/2 LOT 8 BLK 95
Legal Range	26E
Legal Township	02S
Legal Section	56
Legal Subdivision	RIVERSIDE,S/D N1/2 BLK 83
Legal Block	95
Legal Lot Number	8
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE WEST
Census Block Group	2
Census Block	2008
Census Tract	17101

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Riverside Historic District listed 1985 · 2,125 contributing resources · NRIS 85000689

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

2138 Ernest St is owned and occupied by two individuals who bought it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	2138 ERNEST ST, JACKSONVILLE, FL 32204-3208
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Nov 6, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 6, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 7, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2025 · Amount on File
Deed Sale	Nov 6, 2025 · Amount on File
Prior Sale	Jul 7, 2021 · Amount on File
Deed Document Number	2025257214
Deed Book / Page	21681 / 1156
Prior Transfer Date	Mar 21, 2022
Prior Transfer Doc	0202102104
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Nov 6, 2025
Property Address	2138 ERNEST ST, JACKSONVILLE, FL 32204-3208
Document Number	0216811156
Book / Page	21681 / 1156
Map Reference	MB 4 PG 6
Instrument Date	Oct 31, 2025
Instrument	2025257214
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,723.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	186 SW POMEROY ST, STUART, FL 34997-4500

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2138 ERNEST ST, JACKSONVILLE, FL 32204-3208
Investor	Possibly a Property Investor

Mortgage

Document Number	0216811158
Date	Nov 6, 2025
Instrument	21681/1158

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DUVAL FL
Recording Date	Apr 6, 2022
Property Address	2138 ERNEST ST, JACKSONVILLE, FL 32204-3208
Document Number	0202102104
Book / Page	20210 / 2104
Map Reference	MB 4 PG 6
Instrument Date	Mar 21, 2022
Instrument	2022085611
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	MILESTONE TITLE SERVICES, MILESTONE TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2138 ERNEST ST, JACKSONVILLE, FL 32204-3208

Mortgage

Document Number	0202102106
Date	Apr 6, 2022
Instrument	20210/2106

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Jul 7, 2021
Property Address	2138 ERNEST ST, JACKSONVILLE, FL 32204-3208
Document Number	0197971932
Book / Page	19797 / 1932
Map Reference	MB 4 PG 6
Instrument Date	Jun 23, 2021
Instrument	2021170181
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	HOMELIGHT SETTLEMENT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1642 BIG BRANCH RD, 1642, MIDDLEBURG, FL 32068-3115

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2138 ERNEST ST, JACKSONVILLE, FL 32204-3208

Mortgage

Document Number	0197971934
Date	Jul 7, 2021
Instrument	19797/1934

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2138 Ernest St was $6,344, up 10.1% 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		$300,777 (-10.48%) Land $120,986 Building $179,791	$300,777 (-10.48%) Land $120,986 Building $179,791
2025	$6,344.00 (+10.08%)	$335,976 (+8.12%) Land $130,625 Building $205,351	$335,976 (+8.12%) Land $130,625 Building $205,351
2024	$5,763.00 (-2.34%)	$310,752 (-3.15%) Land $118,750 Building $192,002	$310,752 (-3.15%) Land $118,750 Building $192,002
2023	$5,901.00 (+16.09%)	$320,849 (+12.16%) Land $118,750 Building $202,099	$320,849 (+12.16%) Land $118,750 Building $202,099
2022	$5,083.00	$286,058 Land $71,250 Building $214,808	$286,058 Land $71,250 Building $214,808

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

Flood

FEMA maps place 2138 Ernest St 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	8 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

The area around 2138 Ernest St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: WiFast.

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