3403 Loretto Rd, Jacksonville, FL 32223 Property Records

Duval County property record for 3403 Loretto Rd, Jacksonville, FL 32223

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,074 sqft · built 1945
Lot Size	4.04 acres (176,375 sqft)
Owner	Company Name on Record
Last Sale	$490,000 (Dec 2018)
Tax Bill	$384 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`158104-0000`

Property Details

APN / Parcel Number

Primary APN	`158104-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,074 sqft Living Area
Gross Area	2,738 sqft
1st Floor Area	1,496 sqft
Upper Floors Area	578 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Shingles
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	176,375 sqft
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3403 LORETTO RD
City	JACKSONVILLE
State	FL
Zip	32223-1910
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR-ACRE
Legal Description	17-4S-27E 4.59 PT GOVT LOTS 2,13 RECD O/R 18614-2110
Legal Range	27E
Legal Township	04S
Legal Section	08
Legal Subdivision	SECTION LAND
Legal Lot Number	2,13
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE EAST
Census Block Group	1
Census Block	1005
Census Tract	16807

Owner

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	Company Name on Record
Mailing Address	3423 LORETTO RD, JACKSONVILLE, FL 32223-1910
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2017	Deed of Trust, Mortgage · ARM AMERIS BANK
Dec 3, 2018	Warranty Deed, Transfer ASSEMBLIES/GOD LN FIN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2018 · Amount on Record
Deed Sale	Dec 3, 2018 · Amount on Record
Deed Document Number	2018282036
Deed Book / Page	18614 / 2110
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	3403 LORETTO RD, JACKSONVILLE, FL 32223-1910
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0181840190
Date	Nov 12, 2017
Book Page	18184/0190
Instrument	2017259742

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Nov 1, 2022
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	8.25%
Index	Prime Rate
Max Rate	11.2%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Dec 3, 2018
Property Address	3403 LORETTO RD, JACKSONVILLE, FL 32223-1910
Document Number	0186142110
Book / Page	018614 / 002110
Instrument Date	Oct 30, 2018
Instrument	282036
Transaction Type	Transfer
Record Updated	Dec 18, 2018
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,430.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3423 LORETTO RD JACKSONVILLE FL 322231910, JACKSONVILLE, FL 32223-1910

Mortgage

Document Number	186142113
Date	Dec 3, 2018
Book Page	018614/002113
Instrument	282037

Lender

Name	ASSEMBLIES/GOD LN FIN
Type	Funding / Finance Company
Address	SPRINGFIELD, MO 65807

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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		$318,267 (+0.98%) Land $212,533 Building $105,734	$318,267 (+0.98%) Land $212,533 Building $105,734
2025	$384.00 (+81.99%) Additional exemption filed	$315,177 (-1.78%) Land $212,533 Building $102,644	$315,177 (-1.78%) Land $212,533 Building $102,644
2024	$211.00
2023	$211.00 Additional exemption filed	$320,899 (+1.56%) Land $212,533 Building $108,366	$320,899 (+1.56%) Land $212,533 Building $108,366
2022	$211.00 Additional exemption filed	$315,970 Land $212,533 Building $103,437	$315,970 Land $212,533 Building $103,437

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 31 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	31 in force
Nearby Flood Claims	8 (1991–2026)
Claims Outside the SFHA	8 of 8
Most Recent Claim	Jun 2026 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 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	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% 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 279 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: IQ Fiber, T-Mobile, Verizon.

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