320 12th St, Atlantic Beach, FL 32233 Property Records

Duval County property record for 320 12th St, Atlantic Beach, FL 32233

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,051 sqft · built 1953
Lot Size	0.314 acres (13,673 sqft)
Owner	2 Company Names on Record
Last Sale	$100 (Nov 2016)
Tax Bill	$10,552 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`171925-0000`

Property Details

APN / Parcel Number

Primary APN	`171925-0000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,051 sqft Living Area
Gross Area	3,693 sqft
1st Floor Area	2,564 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 2004
Exterior Material	Concrete Block/Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,673 sqft (0.314 acres)
Lot Dimensions	119 ft deep x 118 ft wide
Garage Type	Attached
Garage Area	348 sqft
Parking Spaces	1 Parking Space
Pool Area	6 sqft
Porch	Unfinished Open Porch
Porch Area	294 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	320 12TH ST
City	ATLANTIC BEACH
State	FL
Zip	32233-5514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ARS-L
Legal Description	23-4 16-2S-29E SELVA MARINA UNIT 1 LOT 3 BLK 2
Legal Range	29E
Legal Township	02S
Legal Section	16
Legal Subdivision	SELVA MARINA UNIT 01
Legal Block	2
Legal Lot Number	3
Legal Unit	1
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE BEACHES
Census Block Group	3
Census Block	3030
Census Tract	13905

Owner

Source: Duval County records, as of October 20, 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 Company Names on Record
Mailing Address	320 12TH ST, ATLANTIC BEACH, FL 32233-5514
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2016 · Amount on Record
Deed Sale	Nov 1, 2016 · Amount on Record
Prior Sale	Jun 2, 2009 · Amount on Record
Deed Book / Page	17781 / 459
Last Transfer Date	Nov 15, 2016
Transfer Doc	0177810459
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Recording Date	Oct 5, 2026
Property Address	320 12TH ST, ATLANTIC BEACH, FL 32233-5514
Document Number	0000234361
Book / Page	22082 / 460
Instrument Date	Sep 29, 2026
Instrument	2026234361
Transaction Type	Mortgage
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	320 12TH ST, ATLANTIC BEACH, FL 32233-5514

Mortgage

Document Number	0000234361,
Date	Oct 5, 2026
Book Page	22082/460
Instrument	2026234361

Lender

Name	VYSTAR CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 1, 2036

Interest

Rate Type	Balloon
Initial Type	Balloon
Max Rate	-1%

Tax Assessment & Valuation

Source: Duval County assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	Florida
Municipality	Atlantic Beach City
County	Duval County
Unified School District	Duval County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$672,403 (+2.7%)	$1,730,564 (+0.93%) Land $1,271,339 Building $459,225
2025	$10,552.00 (+1.77%) Homeowner's exemption	$654,726 (+5.99%)	$1,714,616 (+38.76%) Land $1,250,000 Building $464,616
2024	$10,368.00 (+2.66%)
2023	$10,099.00 (+7.48%) Homeowner's exemption	$617,743 (+3%)	$1,235,684 (+5.79%) Land $850,000 Building $385,684
2022	$9,396.00 Homeowner's exemption	$599,751	$1,168,013 Land $800,000 Building $368,013

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

Flood

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
Flood Insurance Cost	Premium on Record median of 260 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	322 units insured incl. 62 condo units
Nearby Flood Claims	46 (1979–2017)
Claims Outside the SFHA	43 of 46
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Matthew, Oct 2016 · 5 claims Tropical Storm Fay, Aug 2008 · 4 claims Severe Storms, Tornadoes & Flooding, Oct 1992 · 3 claims

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

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

Wildfire Risk	Not rated no burnable land within 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 525 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20