2781 Carlene Ct, Jacksonville, FL 32223 Property Records

Duval County property record for 2781 Carlene Ct, Jacksonville, FL 32223

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,407 sqft · built 1992
Lot Size	0.306 acres (13,336 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Apr 2021)
Tax Bill	$5,795 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`158182-3190`

Property Details

APN / Parcel Number

Primary APN	`158182-3190`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,407 sqft Living Area
Gross Area	2,927 sqft
1st Floor Area	2,064 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,336 sqft (0.306 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	36 sqft
Deck Area	700 sqft
Patio Area	700 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2781 CARLENE CT
City	JACKSONVILLE
State	FL
Zip	32223-0751
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RLD-90
Legal Description	047-030 18-4S-27E SIENNA FOREST LOT 17
Legal Range	27E
Legal Township	04S
Legal Section	18
Legal Subdivision	SIENNA FOREST
Legal Lot Number	17
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE EAST
Census Block Group	2
Census Block	2012
Census Tract	16804

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2781 CARLENE CT, JACKSONVILLE, FL 32223-0751
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2022	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Apr 9, 2021	Warranty Deed, Transfer · VA Mortgage BANK OF ENGLAND
Oct 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANGOR SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2021 · Amount on Record
Deed Sale	Apr 9, 2021 · Amount on Record
Deed Document Number	202191158
Deed Book / Page	19671 / 1922
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	2781 CARLENE CT, JACKSONVILLE, FL 32223-0751
Transaction Type	Mortgage
Record Updated	Apr 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2781 CARLENE CT, JACKSONVILLE, FL 32223-0751

Mortgage

Document Number	0201941920
Date	Mar 22, 2022
Book Page	20194/1920
Instrument	2022074697

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Apr 9, 2021
Property Address	2781 CARLENE CT, JACKSONVILLE, FL 32223-0751
Document Number	0196711922
Book / Page	19671 / 1922
Map Reference	MB 47 PG 3,30A-30C
Instrument Date	Apr 1, 2021
Instrument	2021091158
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	TITLE AMERICA RE CLOSINGS INC, TITLE AMERICA RE CLOSINGS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4396 LAZY H RANCH RD, 4396, MIDDLEBURG, FL 32068-1739

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2781 CARLENE CT, JACKSONVILLE, FL 32223-0751

Mortgage

Document Number	0196711924
Date	Apr 9, 2021
Instrument	19671/1924

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	2781 CARLENE CT, JACKSONVILLE, FL 32223-0751
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0189591202
Date	Oct 8, 2019
Book Page	18959/1202
Instrument	2019231774

Lender

Name	BANGOR SAVINGS BANK
Type	Bank
Address	BANGOR, ME 04402

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	2.75%
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		$362,066 (+2.7%)	$401,702 (+3.67%) Land $125,312 Building $276,390
2025	$5,795.00 (+5.56%) Homeowner's exemption Veteran's exemption	$352,548 (+5.99%)	$387,476 (-2.12%) Land $115,000 Building $272,476
2024	$5,490.00 (+2.83%)
2023	$5,339.00 (+9.09%) Homeowner's exemption Veteran's exemption	$332,634 (+3%)	$395,888 (+3.93%) Land $90,000 Building $305,888
2022	$4,894.00 Homeowner's exemption Veteran's exemption	$322,946	$380,901 Land $90,000 Building $290,901

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 136 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	28 (1992–2020)
Claims Outside the SFHA	24 of 28
Most Recent Claim	Jul 2020 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 17 claims Hurricane Matthew, Oct 2016 · 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

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 213 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, Fixed Wireless in parts of the area	100 / 20

May also be available: ClearWave.

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