3203 Loretto Rd, Jacksonville, FL 32223 Property Records

Duval County property record for 3203 Loretto Rd, Jacksonville, FL 32223

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,908 sqft · built 1961
Lot Size	0.204 acres (8,892 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Mar 2020)
Tax Bill	$3,352 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage Aug 2019 Foreclosure + 2 more
Flood Zone	Zone X (minimal risk)
APN	`156259-0000`

Property Details

APN / Parcel Number

Primary APN	`156259-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,908 sqft Living Area
Gross Area	2,158 sqft
1st Floor Area	828 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1995
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,892 sqft (0.204 acres)
Lot Dimensions	139 ft deep x 70 ft wide
Garage Type	Carport
Garage Area	180 sqft
Carport	Carport
Carport Area	180 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	20 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3203 LORETTO RD
City	JACKSONVILLE
State	FL
Zip	32223-1922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RLD-60
Legal Description	30-7 39-4S-27E MANDARIN TERRACE UNIT ONE LOT 25 BLK 6
Legal Range	27E
Legal Township	04S
Legal Section	39
Legal Subdivision	MANDARIN TERRACE UNIT 01
Legal Block	6
Legal Lot Number	25
Legal Unit	1
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE EAST
Census Block Group	2
Census Block	2016
Census Tract	16808

Owner

3203 Loretto Rd is owned and occupied by two individuals who bought it in March 2020.

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	3203 LORETTO RD, JACKSONVILLE, FL 32223-1922
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND
Aug 26, 2019	Trustee's Deed, Foreclosure NOT AVAILABLE
Jan 18, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jan 18, 2017	Loan Modification, Mortgage · Conventional Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2020 · Amount on File
Deed Sale	Mar 9, 2020 · Amount on File
Prior Sale	Aug 26, 2019 · Amount on File
Deed Document Number	202055051
Deed Book / Page	19132 / 1426
Record Updated	Oct 29, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Mar 9, 2020
Property Address	3203 LORETTO RD, JACKSONVILLE, FL 32223-1922
Document Number	0191321426
Book / Page	19132 / 1426
Map Reference	MB 30 PG 7&7A-7C
Instrument Date	Feb 21, 2020
Instrument	2020055051
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	BLUE OCEAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 MARKETSIDE AVE # AVE404-40, 101, PONTE VEDRA, FL 32081-1541

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3203 LORETTO RD, JACKSONVILLE, FL 32223-1922

Mortgage

Document Number	0191321428
Date	Mar 9, 2020
Instrument	19132/1428

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

August 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	DUVAL FL
Recording Date	Aug 26, 2019
Property Address	3203 LORETTO RD, JACKSONVILLE, FL 32223-1922
Document Number	0189111677
Book / Page	018911 / 001677
Instrument Date	Aug 26, 2019
Instrument	198870
Transaction Type	Foreclosure
Record Updated	Oct 1, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$945.70
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	115 TIDECREST PKWY #3404 PONTE VEDRA BEACH FL 320810504, 3404, PONTE VEDRA BEACH, FL 32081-0504

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	3203 LORETTO RD, JACKSONVILLE, FL 32223-1922
Document Number	0178892016
Instrument Date	Jan 18, 2017
Transaction Type	Mortgage
Record Updated	Dec 27, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3203 LORETTO RD JACKSONVILLE FL 322231922, JACKSONVILLE, FL 32223-1922

Mortgage

Document Number	0178892016
Date	Feb 24, 2017
Book Page	017889/002016
Instrument	44768

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 23, 2047

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DUVAL FL
Property Address	3203 LORETTO RD, JACKSONVILLE, FL 32223-1922
Document Number	0178892010
Instrument Date	Jan 18, 2017
Transaction Type	Mortgage
Record Updated	May 31, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3203 LORETTO RD JACKSONVILLE FL 322231922, JACKSONVILLE, FL 32223-1922

Mortgage

Document Number	0178892010
Date	Feb 24, 2017
Book Page	017889/002010
Instrument	44767

Lender

Name	PRIME LNDG
Address	EWING, NJ 08618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 23, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3203 Loretto Rd was $3,352 with a homeowner's exemption, up 8.1% 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		$214,463 (+2.7%)	$290,831 (+5.1%) Land $95,491 Building $195,340
2025	$3,352.00 (+8.06%) Homeowner's exemption	$208,825	$276,722 Land $80,000 Building $196,722
2024	$3,102.00 (+2.99%)
2023	$3,012.00 (+9.33%) Homeowner's exemption	$197,030 (+3%)	$280,392 (+5.6%) Land $65,000 Building $215,392
2022	$2,755.00 Homeowner's exemption	$191,292	$265,524 Land $60,000 Building $205,524

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

Flood

FEMA maps place 3203 Loretto Rd 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 18 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	2 (2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 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

Wildfire risk around 3203 Loretto Rd 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 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% 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 299 locations within half a mile, as of December 31, 2025

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

May also be available: IQ Fiber, Verizon.

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