Duval County property record for 3706 Spence Ct, Jacksonville, FL 32207
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,656 sqft · built 1974 |
| Lot Size | 0.237 acres (10,331 sqft) |
| Owner | Individual Name on File |
| Last Sale | $252,000 (Jul 2019) |
| Tax Bill | $4,233 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 154014-0135 |
| Primary APN | 154014-0135 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,656 sqft Living Area |
| Gross Area | 3,138 sqft |
| 1st Floor Area | 1,546 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,331 sqft (0.237 acres) |
| Lot Dimensions | 125 ft deep x 52 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 20 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 3706 SPENCE CT |
|---|---|
| City | JACKSONVILLE |
| State | FL |
| Zip | 32207-5933 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RLD-60 |
| Legal Description | 34-99 52-2S-27E SANTA MONICA UNIT 09 LOT 20 BLK 2 |
| Legal Range | 27E |
| Legal Township | 02S |
| Legal Section | 52 |
| Legal Subdivision | SANTA MONICA UNIT 09 |
| Legal Block | 2 |
| Legal Lot Number | 20 |
| Legal Unit | 9 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE EAST |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 16102 |
3706 Spence Ct is owned and occupied by an individual who bought it in July 2019.
Source: Duval County records, as of September 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3706 SPENCE CT, JACKSONVILLE, FL 32207-5933 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RENASANT BANK |
| Jul 25, 2019 | Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 25, 2019 · Amount on File |
| Deed Sale | Jul 25, 2019 · Amount on File |
| Prior Sale | Jan 1, 2016 · Amount on File |
| Deed Document Number | 2019174042 |
| Deed Book / Page | 18877 / 1478 |
| Prior Transfer Date | Jan 29, 2016 |
| Prior Transfer Doc | 0174441555 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 3706 SPENCE CT, JACKSONVILLE, FL 32207-5933 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3706 SPENCE CT, JACKSONVILLE, FL 32207-5933 |
| Document Number | 0197240693 |
|---|---|
| Date | May 14, 2021 |
| Book Page | 19724/693 |
| Instrument | 2021123608 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Jul 25, 2019 |
| Property Address | 3706 SPENCE CT, JACKSONVILLE, FL 32207-5933 |
| Document Number | 0188771478 |
| Book / Page | 18877 / 1478 |
| Map Reference | MB 34 PG 99&99A |
| Instrument Date | Jul 18, 2019 |
| Instrument | 2019174042 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | WATSON TTL SVCS OF NORTH FL |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,764.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1085 ATLANTIC BLVD APT 94, 1085, ATLANTIC BEACH, FL 32233-3343 |
| Name | Verified Name |
|---|---|
| Address | 3706 SPENCE CT, JACKSONVILLE, FL 32207-5933 |
| Document Number | 0188771480 |
|---|---|
| Date | Jul 25, 2019 |
| Instrument | 18877/1480 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
The 2025 property tax bill for 3706 Spence Ct was $4,233 with a homeowner's exemption, up 6.8% from the year before.
Source: Duval County assessment roll, as of September 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Duval County |
| Municipality | Jacksonville City |
| Unified School District | Duval County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $265,467 (+2.7%) | $358,570 (+5.39%) Land $76,193 Building $282,377 | |
| 2025 | $4,233.00 (+6.79%) Homeowner's exemption | $258,488 | $340,220 Land $65,000 Building $275,220 |
| 2024 | $3,964.00 (+2.85%) | ||
| 2023 | $3,854.00 (+9.21%) Homeowner's exemption | $243,888 (+3%) | $317,116 (+11.65%) Land $60,000 Building $257,116 |
| 2022 | $3,529.00 Homeowner's exemption | $236,785 | $284,031 Land $60,000 Building $224,031 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3706 Spence Ct in Zone X, an area of minimal flood risk.
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 13 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 13 in force |
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 risk around 3706 Spence Ct 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 99.8% of the US · lower than 99.7% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 478 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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