3405 Sarah Spaulding Ct, Jacksonville, FL 32223 Property Records

Duval County property record for 3405 Sarah Spaulding Ct, Jacksonville, FL 32223

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,152 sqft · built 1978
Lot Size	0.085 acres (3,680 sqft)
Owner	Individual Name on Record
Last Sale	$115,900 (Dec 2003)
Tax Bill	$1,646 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`156411-2674`

Property Details

APN / Parcel Number

Primary APN	`156411-2674`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,152 sqft Living Area
Gross Area	1,484 sqft
1st Floor Area	1,152 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	3,680 sqft (0.085 acres)
Lot Dimensions	80 ft deep x 45 ft wide
Garage Type	Attached
Garage Area	292 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	196 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3405 SARAH SPAULDING CT
City	JACKSONVILLE
State	FL
Zip	32223-7303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	36-23 08-4S-27E LAKE MANDARIN UNIT 3 LOT 35
Legal Range	27E
Legal Township	04S
Legal Section	08
Legal Subdivision	LAKE MANDARIN UNIT 03
Legal Lot Number	35
Legal Unit	3
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE EAST
Census Block Group	1
Census Block	1006
Census Tract	16808

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	Individual Name on Record
Mailing Address	3405 SARAH SPAULDING CT, JACKSONVILLE, FL 32223-7303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2003 · Amount on Record
Deed Sale	Dec 19, 2003 · Amount on Record
Prior Sale	Apr 9, 1996 · Amount on Record
Deed Document Number	2003411782
Deed Book / Page	11538 / 255
Transfer Doc	0000072169
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Recording Date	Aug 29, 2026
Property Address	3405 SARAH SPAULDING CT, JACKSONVILLE, FL 32223-7303
Document Number	0000203921
Book / Page	22037 / 91
Instrument Date	Aug 21, 2026
Instrument	2026203921
Transaction Type	Mortgage
Record Updated	Sep 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3405 SARAH SPAULDING CT, JACKSONVILLE, FL 32223-7303

Mortgage

Document Number	0000203921,
Date	Aug 29, 2026
Book Page	22037/91
Instrument	2026203921

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 30, 2046

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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		$116,798 (+2.7%)	$198,417 (-9.37%) Land $86,451 Building $111,966
2025	$1,646.00 (+14.86%) Homeowner's exemption	$113,728 (+5.99%)	$218,941 (+1.72%) Land $95,000 Building $123,941
2024	$1,433.00 (+3.62%)
2023	$1,383.00 (+10.38%) Homeowner's exemption	$107,304 (+3%)	$215,233 (+17.41%) Land $85,000 Building $130,233
2022	$1,253.00 Homeowner's exemption	$104,179	$183,311 Land $50,000 Building $133,311

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 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

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	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 426 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20