2309 River Rd, Jacksonville, FL 32207 Property Records

Duval County property record for 2309 River Rd, Jacksonville, FL 32207

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,611 sqft · built 1934
Lot Size	0.628 acres (27,352 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,228 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`081403-0000`

Property Details

APN / Parcel Number

Primary APN	`081403-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	4,611 sqft Living Area
Gross Area	6,084 sqft
1st Floor Area	2,022 sqft
Upper Floors Area	1,677 sqft
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1970
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	27,352 sqft (0.628 acres)
Lot Dimensions	190 ft deep x 119 ft wide
Garage Type	Attached
Garage Area	888 sqft
Parking Spaces	4 Parking Spaces
Porch	Finished/Open Porch
Porch Area	240 sqft
Patio Area	345 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2309 RIVER RD
City	JACKSONVILLE
State	FL
Zip	32207-4014
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RLD-90
Legal Description	14-20 46-2S-26E .628 BETTER HOMES COS FIRST ADDN SAN MARCO PT LOT 1 RECD O/R 6561-1701 BLK 103
Legal Range	26E
Legal Township	02S
Legal Section	46
Legal Subdivision	BETTER HOMES CO S 1ST ADD
Legal Block	103
Legal Lot Number	1
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE EAST
Census Block Group	1
Census Block	1036
Census Tract	700

Owner

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	2 Individual Names on Record
Mailing Address	2309 RIVER RD, JACKSONVILLE, FL 32207-4014
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	2309 RIVER RD, JACKSONVILLE, FL 32207-4014
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0194042147
Date	Oct 9, 2020
Book Page	19404/2147
Instrument	2020223879

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.12%
Index	1-Year LIBOR
Max Rate	8.12%

Tax Assessment & Valuation

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		$552,887 (+2.7%)	$2,083,734 (+36.76%) Land $1,135,532 Building $948,202
2025	$9,228.00 (+4.24%) Homeowner's exemption	$538,352 (+5.99%)	$1,523,606 (+6.82%) Land $639,744 Building $883,862
2024	$8,853.00 (+2.64%)
2023	$8,625.00 (+8.83%) Homeowner's exemption	$507,942 (+3%)	$1,426,394 (+26.17%) Land $573,104 Building $853,290
2022	$7,925.00 Homeowner's exemption	$493,148	$1,130,507 Land $346,528 Building $783,979

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

Flood

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 101 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	105 units insured incl. 4 condo units
Nearby Flood Claims	71 (1979–2024)
Claims Outside the SFHA	48 of 71
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Irma, Sep 2017 · 39 claims Tropical Storm Fay, Aug 2008 · 6 claims Tropical Storm Josephine, Oct 1996 · 5 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 353 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 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20