3089 Spiro Cir, Jacksonville, FL 32246 Property Records

Duval County property record for 3089 Spiro Cir, Jacksonville, FL 32246

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,969 sqft · built 2024
Lot Size	0.225 acres (9,786 sqft)
Owner	Individual Name on File
Last Sale	$1,355,000 (Dec 2024)
Tax Bill	$20,766 (2025)
Deeds & Mortgages	Dec 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`167066-7900`

Property Details

APN / Parcel Number

Primary APN	`167066-7900`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,969 sqft Living Area
Gross Area	5,049 sqft
1st Floor Area	2,932 sqft
Flooring	Carpet

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	9,786 sqft (0.225 acres)
Garage Type	Attached
Garage Area	738 sqft
Porch	Finished/Open Porch
Porch Area	308 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3089 SPIRO CIR
City	JACKSONVILLE
State	FL
Zip	32246-0750
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	80-79 34-2S-28E LIV AT TAMAYA LOT 107
Legal Subdivision	LIV AT TAMAYA
Legal Lot Number	107
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE EAST
Census Block Group	1
Census Block	1018
Census Tract	14339

Owner

3089 Spiro Cir is owned and occupied by an individual who bought it in December 2024.

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	Individual Name on File
Mailing Address	3089 SPIRO CIR, JACKSONVILLE, FL 32246-0750
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2024 · Amount on File
Deed Sale	Dec 23, 2024 · Amount on File
Deed Document Number	2024278924
Deed Book / Page	21305 / 1543
Record Updated	Oct 29, 2026

December 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Dec 23, 2024
Property Address	3089 SPIRO CIR, JACKSONVILLE, FL 32246-0750
Document Number	0213051543
Book / Page	21305 / 1543
Map Reference	MB 80 PG 79-95
Instrument Date	Dec 18, 2024
Instrument	2024278924
Transaction Type	Transfer
Record Updated	Dec 1, 2025
Title Company	SOUTHERN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,485.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2379 BEVILLE RD, DAYTONA BEACH, FL 32119-8720

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3089 SPIRO CIR, JACKSONVILLE, FL 32246-0750

Mortgage

Document Number	0213051544
Date	Dec 23, 2024
Instrument	21305/1544

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.6%
Type Change Date	Jan 1, 2030
Change Frequency	6 Months
Min Rate At Change	3.6%
Max Rate At Change	7.6%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.6%

Tax Assessment & Valuation

The 2025 property tax bill for 3089 Spiro Cir was $20,766 with a homeowner's exemption.

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		$957,043	$1,111,312 Land $160,000 Building $951,312
2025	$20,766.00

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

Flood

FEMA maps place 3089 Spiro Cir 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 3089 Spiro Cir is low, with a 0.03% annual chance of 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 94% of Florida
Wildfire Likelihood	0.03% 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 150 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 Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20