3404 Islander Way, Jacksonville, FL 32223 Property Records

Duval County property record for 3404 Islander Way, Jacksonville, FL 32223

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 930 sqft · built 1983
Lot Size	0.139 acres (6,052 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Apr 2026)
Tax Bill	$1,397 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`156411-6382`

Property Details

APN / Parcel Number

Primary APN	`156411-6382`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	930 sqft Living Area
Gross Area	1,242 sqft
1st Floor Area	930 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Townhouse
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,052 sqft (0.139 acres)
Lot Dimensions	98 ft deep x 40 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3404 ISLANDER WAY
City	JACKSONVILLE
State	FL
Zip	32223-7310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	38-61 08-4S-27E LAKE MANDARN UNIT NINE-B LOT 34
Legal Range	27E
Legal Township	04S
Legal Section	08
Legal Subdivision	LAKE MANDARIN UNIT 09B
Legal Lot Number	34
Legal Unit	NINE-B
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE EAST
Census Block Group	1
Census Block	1015
Census Tract	16808

Owner

3404 Islander Way is owned and occupied by two individuals who bought it in April 2026.

Source: Duval County records, as of September 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3404 ISLANDER WAY, JACKSONVILLE, FL 32223-7310
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Apr 30, 2026	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Nov 3, 2017	Loan Modification, Mortgage · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2026 · Amount on File
Deed Sale	Apr 30, 2026 · Amount on File
Prior Sale	Dec 22, 2014
Deed Document Number	2026100564
Deed Book / Page	21888 / 67
Prior Transfer Date	Apr 29, 2026
Prior Transfer Doc	0218880067
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Apr 30, 2026
Property Address	3404 ISLANDER WAY, JACKSONVILLE, FL 32223-7310
Document Number	0218880067
Book / Page	21888 / 67
Instrument Date	Apr 29, 2026
Instrument	2026100564
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	HOMEGUARD TITLE AND TRUST, HOMEGUARD TITLE & TRUST

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$169,680.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3404 ISLANDER WAY, JACKSONVILLE, FL 32223-7310

Mortgage

Document Number	0000100565,
Date	Apr 30, 2026
Instrument	2026100565

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Apr 30, 2026
Property Address	3404 ISLANDER WAY, JACKSONVILLE, FL 32223-7310
Document Number	0000100564
Book / Page	21888 / 67
Instrument Date	Apr 29, 2026
Instrument	2026.100564
Transaction Type	Transfer
Record Updated	May 11, 2026
Title Company	HOMEGUARD TITLE AND TRUST, HOMEGUARD TITLE & TRUST

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$169,680.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3404 ISLANDER WAY, JACKSONVILLE, FL 32223-7310

Mortgage

Document Number	0000100565,
Date	Apr 30, 2026
Instrument	2026..100565

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DUVAL FL
Property Address	3404 ISLANDER WAY, JACKSONVILLE, FL 32223-7310
Document Number	0181910362
Book / Page	018191 / 000362
Instrument Date	Nov 3, 2017
Transaction Type	Mortgage
Record Updated	Dec 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3404 ISLANDER WAY JACKSONVILLE FL 322237310, JACKSONVILLE, FL 32223-7310

Mortgage

Document Number	0181910362
Date	Nov 16, 2017
Book Page	018191/000362
Instrument	264960

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	84 Months
Due	Nov 15, 2024

Interest

Rate Type	Adjustable Rate
Rate	3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 3404 Islander Way was $1,397, up 17.5% 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		$103,601 (+2.7%)	$181,570 (-6.06%) Land $76,451 Building $105,119
2025	$1,397.00 (+17.49%) Homeowner's exemption	$100,878	$193,280 Land $85,000 Building $108,280
2024	$1,189.00 (+3.93%)
2023	$1,144.00 (+10.96%) Homeowner's exemption	$95,180 (+3%)	$190,356 (+13.28%) Land $80,000 Building $110,356
2022	$1,031.00 Homeowner's exemption	$92,408	$168,035 Land $63,000 Building $105,035

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3404 Islander Way in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 2007.

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 File median of 28 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	11 (2007–2020)
Claims Outside the SFHA	11 of 11
Most Recent Claim	Jul 2020
Claims by Event	Hurricane Matthew, Oct 2016 · 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 3404 Islander Way is low, with less than 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	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 553 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Starlink Satellite	280 / 30
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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