2805 Prospect St, Jacksonville, FL 32254 Property Records

Duval County property record for 2805 Prospect St, Jacksonville, FL 32254

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,743 sqft · built 1963
Lot Size	0.28 acres (12,179 sqft)
Owner	2 Individual Names on File
Last Sale	$98,516 (Oct 2021)
Tax Bill	$2,648 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`048750-0000`

Property Details

APN / Parcel Number

Primary APN	`048750-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,743 sqft Living Area
Gross Area	2,414 sqft
1st Floor Area	1,014 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,179 sqft (0.28 acres)
Lot Dimensions	138 ft deep x 88 ft wide
Garage Area	888 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed/Finished Porch
Porch Area	385 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2805 PROSPECT ST
City	JACKSONVILLE
State	FL
Zip	32254-1866
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RLD-60
Legal Description	13-75 05-2S-26E .27 BILTMORE NO 2 LOTS 26,27,28,PT CLOSED ALLEY LYING N THEREOF BLK 13
Legal Range	26E
Legal Township	02S
Legal Section	05
Legal Subdivision	BILTMORE NO. 02
Legal Block	13
Legal Lot Number	26,27
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE WEST
Census Block Group	1
Census Block	1016
Census Tract	2701

Owner

2805 Prospect St is owned by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	9330 ARBOLITA WAY, JACKSONVILLE, FL 32256-7727
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
Apr 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 11, 2021	Warranty Deed, Transfer · Balloon Mortgage MATTHEW LENTS
Jan 21, 2020	Warranty Deed, Transfer · Conventional Mortgage LENDINGHOME FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2021 · Amount on File
Deed Sale	Oct 11, 2021 · Amount on File
Prior Sale	Oct 29, 2009 · Amount on File
Deed Document Number	2021265450
Deed Book / Page	19950 / 1845
Prior Transfer Date	Apr 23, 2014
Prior Transfer Doc	0167641483
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	2805 PROSPECT ST, JACKSONVILLE, FL 32254-1866
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9330 ARBOLITA WAY, JACKSONVILLE, FL 32256-7727

Mortgage

Document Number	0202232291
Date	Apr 14, 2022
Book Page	20223/2291
Instrument	2022093943

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Oct 11, 2021
Property Address	2805 PROSPECT ST, JACKSONVILLE, FL 32254-1866
Document Number	0199501845
Book / Page	19950 / 1845
Map Reference	MB 13 PG 75
Instrument Date	Sep 29, 2021
Instrument	2021265450
Transaction Type	Transfer
Record Updated	Jun 21, 2022
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$690.20
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5805 BLUE LAGOON DR STE 178, 5805, MIAMI, FL 33126-2056

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9330 ARBOLITA WAY, JACKSONVILLE, FL 32256-7727

Mortgage

Document Number	0199501847
Date	Oct 11, 2021
Instrument	19950/1847

Lender

Name	MATTHEW LENTS
Type	Private Party

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	12 Months
Due	Oct 1, 2022

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Jan 21, 2020
Property Address	2805 PROSPECT ST, JACKSONVILLE, FL 32254-1866
Document Number	0190770995
Book / Page	019077 / 000995
Instrument Date	Dec 20, 2019
Instrument	16358
Transaction Type	Transfer
Record Updated	Feb 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$499.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5805 BLUE LAGOON DR #178 MIAMI FL 331262056, 178, MIAMI, FL 33126-2056

Mortgage

Document Number	190770997
Date	Jan 21, 2020
Book Page	019077/000997
Instrument	16359

Lender

Name	LENDINGHOME FNDG
Type	Funding / Finance Company
Address	SAN FRANCISCO, CA 94104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2805 Prospect St was $2,648, up 16.1% 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		$129,515 (-7.9%)	$139,798 (-0.59%) Land $47,118 Building $92,680
2025	$2,648.00 (+16.09%)	$140,622 Land $37,840 Building $102,782	$140,622 Land $37,840 Building $102,782
2024	$2,281.00 (+14.68%)
2023	$1,989.00 (+8.93%)	$97,308 (+4.58%) Land $17,600 Building $79,708	$97,308 (+4.58%) Land $17,600 Building $79,708
2022	$1,826.00	$93,048 Land $17,600 Building $75,448	$93,048 Land $17,600 Building $75,448

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

Flood

FEMA maps place 2805 Prospect St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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	4 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
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 2805 Prospect St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% 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 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL	100 / 20

May also be available: T-Mobile.

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