38 E 45th St, Jacksonville, FL 32208 Property Records

Duval County property record for 38 E 45th St, Jacksonville, FL 32208

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,174 sqft · built 1937
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individuals on Record
Last Sale	$85,000 (Apr 2018)
Tax Bill	$2,455 (2025)
Deeds & Mortgages	Jan 2024 Mortgage May 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`031492-0000`

Property Details

APN / Parcel Number

Primary APN	`031492-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,174 sqft Living Area
Gross Area	1,234 sqft
1st Floor Area	1,014 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	180 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed/Finished Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	38 E 45TH ST
City	JACKSONVILLE
State	FL
Zip	32208-5312
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RLD-60
Legal Description	15-39 39-1S-26E EDMONDSONS MAIN STREET ESTATES LOT 87
Legal Range	26E
Legal Township	01S
Legal Section	39
Legal Subdivision	EDMONDSONS MAIN ST ESTATE
Legal Block	1
Legal Lot Number	87
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE WEST
Census Block Group	1
Census Block	1034
Census Tract	101

Owner

Source: Duval County assessment roll, as of June 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	38 E 45TH ST, JACKSONVILLE, FL 32208-5312
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2024	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
May 2, 2023	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Nov 24, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Nov 9, 2020	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Apr 9, 2018	Warranty Deed, Transfer · FHA Mortgage FAIRWAY LNDG
Sep 7, 2017	Tax Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2018 · Amount on Record
Deed Sale	Apr 9, 2018 · Amount on Record
Prior Sale	Sep 7, 2017 · Amount on Record
Deed Document Number	201882052
Deed Book / Page	18343 / 620
Prior Transfer Date	Mar 13, 1995
Prior Transfer Doc	0000049902
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	38 E 45TH ST, JACKSONVILLE, FL 32208-5312
Transaction Type	Mortgage
Record Updated	Feb 8, 2024
Title Company	TIMIOS INC, TIMIOS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38E 45TH ST, JACKSONVILLE, FL 32208-5312

Mortgage

Document Number	0209361849
Date	Jan 30, 2024
Book Page	20936/1849
Instrument	2024019893

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	291 Months
Due	Apr 1, 2048

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	38 E 45TH ST, JACKSONVILLE, FL 32208-5312
Transaction Type	Mortgage
Record Updated	May 16, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 E 45TH ST, JACKSONVILLE, FL 32208-5312

Mortgage

Document Number	0206642184
Date	May 2, 2023
Book Page	20664/2184
Instrument	2023088252

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Apr 1, 2048

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	38 E 45TH ST, JACKSONVILLE, FL 32208-5312
Transaction Type	Mortgage
Record Updated	Dec 16, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 E 45TH ST, JACKSONVILLE, FL 32208-5312

Mortgage

Document Number	0200291812
Date	Nov 24, 2021
Book Page	20029/1812
Instrument	2021313336

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	317 Months
Due	Apr 1, 2048

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	38 E 45TH ST, JACKSONVILLE, FL 32208-5312
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 E 45TH ST, JACKSONVILLE, FL 32208-5312

Mortgage

Document Number	0194460674
Date	Nov 9, 2020
Book Page	19446/674
Instrument	2020249745

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	329 Months
Due	Apr 1, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Apr 9, 2018
Property Address	38 E 45TH ST, JACKSONVILLE, FL 32208-5312
Document Number	0183430620
Book / Page	018343 / 000620
Instrument Date	Mar 26, 2018
Instrument	82052
Transaction Type	Transfer
Record Updated	May 1, 2018
Title Company	ELITE TITLE AND ESCROW SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$595.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	38 E 45TH ST JACKSONVILLE FL 322085312, JACKSONVILLE, FL 32208-5312

Mortgage

Document Number	183430622
Date	Apr 9, 2018
Book Page	018343/000622
Instrument	82053

Lender

Name	FAIRWAY LNDG
Address	MOORLAND, KY 40223

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 8, 2048

Mortgage

Document Number	183430633,
Date	Apr 9, 2018
Book Page	018343/000633
Instrument	82054

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	214 N HOGAN ST # 7TH, JACKSONVILLE, FL 32202-4236

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Apr 8, 2028

Interest

Rate	3%

September 2017: Tax Deed, Foreclosure

Document Type	Tax Deed
Jurisdiction	DUVAL FL
Recording Date	Sep 7, 2017
Property Address	38 E 45TH ST, JACKSONVILLE, FL 32208-5312
Document Number	0181160647
Book / Page	018116 / 000647
Instrument Date	Aug 16, 2017
Instrument	209990
Transaction Type	Foreclosure
Record Updated	Oct 9, 2017

Transaction

Amount	Amount Recorded
Tax	$165.00
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	203 FORT WADE RD #105 PONTE VEDRA BEACH FL 320815103, 105, PONTE VEDRA BEACH, FL 32081-5103

Tax Assessment & Valuation

Source: Duval County assessment roll, as of June 3, 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		$124,050 (-3.63%)	$132,466 (+2.91%) Land $18,509 Building $113,957
2025	$2,455.00 (+13.97%)	$128,716 (+1.77%) Land $17,578 Building $111,138	$128,716 (+1.77%) Land $17,578 Building $111,138
2024	$2,154.00 (+4.11%)
2023	$2,069.00 (+17.56%)	$126,475 (+15.44%) Land $14,462 Building $112,013	$126,475 (+15.44%) Land $14,462 Building $112,013
2022	$1,760.00	$109,561 Land $7,788 Building $101,773	$109,561 Land $7,788 Building $101,773

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 422 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 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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