Duval County property record for 3176 Ray Rd, Jacksonville, FL 32209
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,395 sqft · built 1942 |
| Lot Size | 0.809 acres (35,223 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $150,000 (Oct 2017) |
| Tax Bill | $384 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 041431-0000 |
| Primary APN | 041431-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,395 sqft Living Area |
| Gross Area | 2,659 sqft |
| 1st Floor Area | 2,395 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 35,223 sqft (0.809 acres) |
| Lot Dimensions | 251 ft deep x 145 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 3176 RAY RD |
|---|---|
| City | JACKSONVILLE |
| State | FL |
| Zip | 32209-1840 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RLD-60 |
| Legal Description | 30-79 43-1S-26E BOWEN MANOR LOT 17 |
| Legal Range | 26E |
| Legal Township | 01S |
| Legal Section | 43 |
| Legal Subdivision | BOWEN MANOR |
| Legal Lot Number | 17 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE WEST |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 11400 |
3176 Ray Rd is owned and occupied by two individuals who bought it in October 2017.
Source: Duval County records, as of June 3, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3176 RAY RD, JACKSONVILLE, FL 32209-1840 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Aug 21, 2021 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Apr 23, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Jun 18, 2019 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Oct 11, 2017 | Warranty Deed, Transfer · VA Mortgage NFM LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 11, 2017 · Amount on File |
| Deed Sale | Oct 11, 2017 · Amount on File |
| Prior Sale | Dec 7, 2010 · Amount on File |
| Deed Document Number | 2017232722 |
| Deed Book / Page | 18147 / 1828 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 3176 RAY RD, JACKSONVILLE, FL 32209-1840 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0198740001 |
|---|---|
| Date | Aug 21, 2021 |
| Book Page | 19874/1 |
| Instrument | 2021217743 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 3176 RAY RD, JACKSONVILLE, FL 32209-1840 |
| Document Number | 0191901840 |
| Instrument Date | Apr 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3176 RAY RD JACKSONVILLE FL 322091840, JACKSONVILLE, FL 32209-1840 |
| Document Number | 0191901840 |
|---|---|
| Date | Apr 29, 2020 |
| Book Page | 019190/001840 |
| Instrument | 90977 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 28, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 3176 RAY RD, JACKSONVILLE, FL 32209-1840 |
| Document Number | 0188391124 |
| Instrument Date | Jun 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3176 RAY RD JACKSONVILLE FL 322091840, JACKSONVILLE, FL 32209-1840 |
| Document Number | 0188391124 |
|---|---|
| Date | Jun 24, 2019 |
| Book Page | 018839/001124 |
| Instrument | 147516 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 23, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Oct 11, 2017 |
| Property Address | 3176 RAY RD, JACKSONVILLE, FL 32209-1840 |
| Document Number | 0181471828 |
| Book / Page | 018147 / 001828 |
| Instrument Date | Sep 29, 2017 |
| Instrument | 232722 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,050.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3176 RAY RD JACKSONVILLE FL 322091840, JACKSONVILLE, FL 32209-1840 |
| Document Number | 181471830 |
|---|---|
| Date | Oct 11, 2017 |
| Book Page | 018147/001830 |
| Instrument | 232723 |
| Name | NFM LNDG |
|---|---|
| Address | LINTHICUM, MD 21090 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 10, 2047 |
The 2025 property tax bill for 3176 Ray Rd was $384 with exemptions applied, up 82% from the year before.
Source: Duval County assessment roll, as of June 3, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Duval County |
| Municipality | Jacksonville City |
| Unified School District | Duval County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $162,121 (+2.7%) | $245,042 (+2.37%) Land $71,783 Building $173,259 | |
| 2025 | $384.00 (+81.99%) Homeowner's exemption Veteran's exemption Widower's exemption | $157,859 | $239,365 Land $66,338 Building $173,027 |
| 2024 | $211.00 | ||
| 2023 | $211.00 Homeowner's exemption Veteran's exemption Widower's exemption | $148,943 (+3%) | $225,119 (+10.58%) Land $43,340 Building $181,779 |
| 2022 | $211.00 Homeowner's exemption Veteran's exemption Widower's exemption | $144,605 | $203,578 Land $30,958 Building $172,620 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3176 Ray Rd in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 7 (2008–2021) |
| Claims Outside the SFHA | 5 of 7 |
| Most Recent Claim | Dec 2021 · river or lake flooding |
| Claims by Event |
|
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 risk around 3176 Ray Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 239 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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