2823 Lucena Ln, Jacksonville, FL 32246 Property Records

Duval County property record for 2823 Lucena Ln, Jacksonville, FL 32246

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,515 sqft · built 2020
Lot Size	0.14 acres (6,080 sqft)
Owner	2 Individual Names on File
Last Sale	$473,900 (Mar 2022)
Tax Bill	$4,525 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`166903-2535`

Property Details

APN / Parcel Number

Primary APN	`166903-2535`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,515 sqft Living Area
Gross Area	2,139 sqft
1st Floor Area	1,515 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Townhouse
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,080 sqft (0.14 acres)
Garage Type	Attached
Garage Area	427 sqft
Porch	Finished Screened Porch
Porch Area	197 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2823 LUCENA LN
City	JACKSONVILLE
State	FL
Zip	32246-5567
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	72-126 35-2S-28E TERRA COSTA PHASE 2B AND 2C LOT 104
Legal Range	28E
Legal Township	02S
Legal Section	35
Legal Subdivision	TERRA COSTA PHASE 2B AND 2C
Legal Lot Number	104
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE EAST
Census Block Group	1
Census Block	1018
Census Tract	14339

Owner

2823 Lucena Ln is owned and occupied by two individuals who bought it in March 2022.

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 File
Mailing Address	2823 LUCENA LN, JACKSONVILLE, FL 32246-5567
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 10, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 17, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
May 26, 2020	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2022 · Amount on File
Deed Sale	Mar 10, 2022 · Amount on File
Prior Sale	Nov 17, 2021 · Amount on File
Deed Document Number	202265435
Deed Book / Page	20180 / 2485
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	2823 LUCENA LN, JACKSONVILLE, FL 32246-5567
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2823 LUCENA LN, JACKSONVILLE, FL 32246-5567

Mortgage

Document Number	0197802295
Date	Jun 28, 2021
Book Page	19780/2295
Instrument	2021160044

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Mar 10, 2022
Property Address	2823 LUCENA LN, JACKSONVILLE, FL 32246-5567
Document Number	0201802485
Book / Page	20180 / 2485
Map Reference	MB 72 PG 126
Instrument Date	Feb 25, 2022
Instrument	2022065435
Transaction Type	Transfer
Record Updated	Apr 8, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,317.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 2150, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1250 MUIRFIELD CT, TITUSVILLE, FL 32780-5463

Mortgage

Document Number	0000201811
Date	Mar 10, 2022
Instrument	20181/1

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Nov 17, 2021
Property Address	2823 LUCENA LN, JACKSONVILLE, FL 32246-5567
Document Number	0200182169
Book / Page	20018 / 2169
Map Reference	MB 72 PG 126
Instrument Date	Nov 15, 2021
Instrument	2021306361
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$3,129.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1300 SHELLER AVENUE #91049104, 91049104, JACKSONVILLE, FL 32250

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

May 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	May 26, 2020
Property Address	2823 LUCENA LN, JACKSONVILLE, FL 32246-5567
Document Number	0192150845
Book / Page	19215 / 845
Map Reference	MB 72 PG 126
Instrument Date	May 20, 2020
Instrument	2020105375
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 22, 2021
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,309.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9440 PHILIPS HWY STE 7, 9440, JACKSONVILLE, FL 32256-1339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2823 LUCENA LN, JACKSONVILLE, FL 32246-5567

Mortgage

Document Number	0019215849
Date	May 26, 2020
Instrument	19215/849

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2823 Lucena Ln was $4,525 with a homeowner's exemption, up 6.5% 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		$284,155 (+2.7%)	$382,019 (-3.54%) Land $115,000 Building $267,019
2025	$4,525.00 (+6.47%) Homeowner's exemption	$276,685	$396,048 Land $125,000 Building $271,048
2024	$4,250.00 (+2.88%)
2023	$4,131.00 (-26.83%) Homeowner's exemption	$261,057 (-18.65%)	$392,737 (+22.38%) Land $95,000 Building $297,737
2022	$5,646.00	$320,913 Land $75,000 Building $245,913	$320,913 Land $75,000 Building $245,913

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

Flood

FEMA maps place 2823 Lucena Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 194 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	194 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2022 · Hurricane Nicole

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 2823 Lucena Ln 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 95% of the US · lower than 95% 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 333 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Fiber · Cable in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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