2804 Carlene Ct, Jacksonville, FL 32223 Property Records

Duval County property record for 2804 Carlene Ct, Jacksonville, FL 32223

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,367 sqft · built 1993
Lot Size	0.428 acres (18,651 sqft)
Owner	2 Individual Names on Record
Last Sale	$590,000 (Apr 2026)
Tax Bill	$7,285 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`158182-3165`

Property Details

APN / Parcel Number

Primary APN	`158182-3165`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,367 sqft Living Area
Gross Area	3,125 sqft
1st Floor Area	2,036 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	18,651 sqft (0.428 acres)
Garage Type	Attached
Garage Area	578 sqft
Parking Spaces	2 Parking Spaces
Pool Area	1 sqft
Porch	Finished/Open Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2804 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	47-30 18-4S-27E SIENNA FOREST LOT 12
Legal Range	27E
Legal Township	04S
Legal Section	18
Legal Subdivision	SIENNA FOREST
Legal Lot Number	12
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 June 3, 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	2804 CARLENE CT, JACKSONVILLE, FL 32223-0751
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK
May 4, 2022	Warranty Deed, Transfer · VA Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Aug 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2026 · Amount on Record
Deed Sale	Apr 21, 2026 · Amount on Record
Prior Sale	May 4, 2022 · Amount on Record
Deed Document Number	202691874
Deed Book / Page	21874 / 2304
Prior Transfer Date	Apr 25, 2022
Prior Transfer Doc	0202612102
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Apr 21, 2026
Property Address	2804 CARLENE CT, JACKSONVILLE, FL 32223-0751
Document Number	0000091874
Book / Page	21874 / 2304
Instrument Date	Apr 15, 2026
Instrument	2026.91874
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	LANDMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$417,130.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2804 CARLENE CT, JACKSONVILLE, FL 32223-0751

Mortgage

Document Number	0000091875,
Date	Apr 21, 2026
Book Page	21874/2306
Instrument	2026.91875

Lender

Name	SOUTH STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	May 4, 2022
Property Address	2804 CARLENE CT, JACKSONVILLE, FL 32223-0751
Document Number	0202612102
Book / Page	20261 / 2102
Map Reference	MB 47 PG 30&30A-30C
Instrument Date	Apr 25, 2022
Instrument	2022118768
Transaction Type	Transfer
Record Updated	May 20, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,745.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3039 ATHERLEY RD, 3039, ST AUGUSTINE, FL 32092-5053

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2804 CARLENE CT, JACKSONVILLE, FL 32223-0751

Mortgage

Document Number	0202612103
Date	May 4, 2022
Instrument	20261/2103

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	2804 CARLENE CT, JACKSONVILLE, FL 32223-0751
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2804 CARLENE CT, JACKSONVILLE, FL 32223-0751

Mortgage

Document Number	0193491240
Date	Aug 28, 2020
Book Page	19349/1240
Instrument	2020189928

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2040

Tax Assessment & Valuation

Source: Duval County assessment roll, as of June 3, 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		$446,827 (+2.35%) Land $128,342 Building $318,485	$446,827 (+2.35%) Land $128,342 Building $318,485
2025	$7,285.00 (+3.92%) Homeowner's exemption Veteran's exemption	$436,576 (-0.35%) Land $115,000 Building $321,576	$436,576 (-3.47%) Land $115,000 Building $321,576
2024	$7,010.00 (-3.08%)
2023	$7,233.00 (+88.11%) Homeowner's exemption Veteran's exemption	$438,092 (+70.87%)	$452,293 (+4.12%) Land $90,000 Building $362,293
2022	$3,845.00 Homeowner's exemption	$256,384	$434,387 Land $90,000 Building $344,387

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

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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