Duval County property record for 285 Oceanforest Dr N, Atlantic Beach, FL 32233
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,749 sqft · built 1989 |
| Lot Size | 0.241 acres (10,504 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,625,000 (Oct 2022) |
| Tax Bill | $22,248 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Apr 2026 Line of Credit + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 169463-1504 |
| Primary APN | 169463-1504 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,749 sqft Living Area |
| Gross Area | 5,199 sqft |
| 1st Floor Area | 1,120 sqft |
| Upper Floors Area | 1,977 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,504 sqft (0.241 acres) |
| Lot Dimensions | 111 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 890 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 285 OCEANFOREST DR N |
|---|---|
| City | ATLANTIC BEACH |
| State | FL |
| Zip | 32233-5960 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ARS-1 |
| Legal Description | 42-18 37-2S-29E OCEANWALK UNIT 4 LOT 2 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 37 |
| Legal Subdivision | OCEANWALK UNIT 04 |
| Legal Lot Number | 2 |
| Legal Unit | 4 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 13906 |
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 | 285 OCEANFOREST DR N, ATLANTIC BEACH, FL 32233-5960 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 3, 2026 | Deed of Trust · Line of Credit FIGURE LENDING LLC |
| Apr 3, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Oct 10, 2022 | Warranty Deed, Transfer · Conventional Mortgage BNC NATIONAL BANK |
| Apr 27, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Mar 15, 2017 | Deed of Trust, Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 10, 2022 · Amount on Record |
| Deed Sale | Oct 10, 2022 · Amount on Record |
| Prior Sale | Apr 27, 2020 · Amount on Record |
| Deed Document Number | 2022255248 |
| Deed Book / Page | 20459 / 481 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Apr 3, 2026 |
| Property Address | 285 OCEANFOREST DR N, ATLANTIC BEACH, FL 32233-5960 |
| Document Number | 0000077262 |
| Book / Page | 21852 / 1850 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 202677262 |
| Record Updated | Apr 16, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RE |
| Name | Verified Name |
|---|
| Document Number | 0000077262, |
|---|---|
| Date | Apr 3, 2026 |
| Book Page | 21852/1850 |
| Instrument | 202677262 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 22, 2046 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Apr 3, 2026 |
| Property Address | 285 OCEANFOREST DR N, ATLANTIC BEACH, FL 32233-5960 |
| Document Number | 0218521850 |
| Book / Page | 21852 / 1850 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 202677262 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0000077262, |
|---|---|
| Date | Apr 3, 2026 |
| Book Page | 21852/1850 |
| Instrument | 202677262 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 22, 2046 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Oct 10, 2022 |
| Property Address | 285 OCEANFOREST DR N, ATLANTIC BEACH, FL 32233-5960 |
| Document Number | 0204590481 |
| Book / Page | 20459 / 481 |
| Map Reference | MB 42 PG 18 |
| Instrument Date | Oct 3, 2022 |
| Instrument | 2022255248 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2022 |
| Title Company | ATLANTIC EAST TITLE, ATLANTIC COAST T&E |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $11,375.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 285 OCEANFOREST DR N, 285, ATLANTIC BEACH, FL 32233-5960 |
| Name | Verified Name |
|---|---|
| Address | 4840 CAROL LN, ATLANTA, GA 30327-4611 |
| Document Number | 0020459483 |
|---|---|
| Date | Oct 10, 2022 |
| Instrument | 20459/483 |
| Name | BNC NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Apr 27, 2020 |
| Property Address | 285 OCEANFOREST DR N, ATLANTIC BEACH, FL 32233-5960 |
| Document Number | 0191871108 |
| Book / Page | 019187 / 001108 |
| Instrument Date | Apr 15, 2020 |
| Instrument | 88973 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $8,050.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 285 OCEANFOREST DR N ATLANTIC BEACH FL 322335960, ATLANTIC BEACH, FL 32233-5960 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 285 OCEANFOREST DR N, ATLANTIC BEACH, FL 32233-5960 |
| Document Number | 0179161308 |
| Instrument Date | Mar 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2018 |
| Name | Verified Name |
|---|---|
| Address | 285 OCEANFOREST DR N JACKSONVILLE FL 322335960, JACKSONVILLE, FL 32233-5960 |
| Document Number | 0179161308 |
|---|---|
| Date | Mar 21, 2017 |
| Book Page | 017916/001308 |
| Instrument | 64395 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 20, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
Source: Duval County assessment roll, as of September 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| Municipality | Atlantic Beach City |
| County | Duval County |
| Unified School District | Duval County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,363,591 (+2.16%) Land $475,652 Building $887,939 | $1,363,591 (+2.16%) Land $475,652 Building $887,939 | |
| 2025 | $22,248.00 (-4.01%) Homeowner's exemption | $1,334,713 (+0.21%) Land $450,000 Building $884,713 | $1,334,713 (+0.21%) Land $450,000 Building $884,713 |
| 2024 | $23,178.00 (+2.55%) | ||
| 2023 | $22,601.00 (+21.79%) Homeowner's exemption | $1,331,856 (+9.11%) Land $400,000 Building $931,856 | $1,331,856 (+9.11%) Land $400,000 Building $931,856 |
| 2022 | $18,557.00 | $1,220,694 Land $325,000 Building $895,694 | $1,220,694 Land $325,000 Building $895,694 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Coastal | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 205 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 310 units insured incl. 105 condo units |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ATLANTIC BEACH WATER SYSTEM serves 23,503 people · EPA ID FL2160200 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2023 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| IQ Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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