3873 Loretto Rd, Jacksonville, FL 32223 Property Records

Duval County property record for 3873 Loretto Rd, Jacksonville, FL 32223

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,845 sqft · built 1988
Lot Size	0.876 acres (38,159 sqft)
Owner	2 Individual Names on Record
Last Sale	$480,000 (Nov 2023)
Tax Bill	$414 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jan 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`158914-0130`

Property Details

APN / Parcel Number

Primary APN	`158914-0130`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,845 sqft Living Area
Gross Area	3,054 sqft
1st Floor Area	1,845 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	38,159 sqft (0.876 acres)
Lot Dimensions	250 ft deep x 160 ft wide
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	684 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3873 LORETTO RD
City	JACKSONVILLE
State	FL
Zip	32223-2052
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RLD-120
Legal Description	41-4S-27E .92 GEORGE HARTLEY GRANT PT RECD O/R 20880-300
Legal Range	27E
Legal Township	04S
Legal Section	41
Legal Subdivision	SCHOENWALD
Legal Block	2
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE EAST
Census Block Group	2
Census Block	2002
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	2 Individual Names on Record
Mailing Address	3873 LORETTO RD, JACKSONVILLE, FL 32223-2052
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Deed of Trust, Mortgage · VA Mortgage MORTGAGE INC
Jan 5, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Nov 27, 2023	Warranty Deed, Transfer · VA Mortgage PLAINS COMMERCE BANK
Sep 21, 2017	Warranty Deed, Transfer · Conventional Mortgage FIDELITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2023 · Amount on Record
Deed Sale	Nov 27, 2023 · Amount on Record
Prior Sale	Sep 21, 2017 · Amount on Record
Deed Document Number	2023242972
Deed Book / Page	20880 / 300
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Recording Date	Sep 15, 2026
Property Address	3873 LORETTO RD, JACKSONVILLE, FL 32223-2052
Document Number	0000217703
Book / Page	22057 / 587
Instrument Date	Sep 9, 2026
Instrument	2026217703
Transaction Type	Mortgage
Record Updated	Sep 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3873 LORETTO RD, JACKSONVILLE, FL 32223-2052

Mortgage

Document Number	0000217703,
Date	Sep 15, 2026
Book Page	22057/587
Instrument	2026217703

Lender

Name	MORTGAGE INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

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

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	3873 LORETTO RD, JACKSONVILLE, FL 32223-2052
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3873 LORETTO RD, JACKSONVILLE, FL 32223-2052

Mortgage

Document Number	0217422379
Date	Jan 5, 2026
Book Page	21742/2379
Instrument	2026001754

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Nov 27, 2023
Property Address	3873 LORETTO RD, JACKSONVILLE, FL 32223-2052
Document Number	0208800300
Book / Page	20880 / 300
Instrument Date	Nov 20, 2023
Instrument	2023242972
Transaction Type	Transfer
Record Updated	Dec 11, 2023
Title Company	ATTORNEYS TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12692 MILLS RIDGE LN, JACKSONVILLE, FL 32258-1341

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3873 LORETTO RD, JACKSONVILLE, FL 32223-2052

Mortgage

Document Number	0020880302
Date	Nov 27, 2023
Instrument	20880/302

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Sep 21, 2017
Property Address	3873 LORETTO RD, JACKSONVILLE, FL 32223-2052
Document Number	0181241532
Book / Page	18124 / 1532
Instrument Date	Sep 18, 2017
Instrument	2017216234
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	SUNSET CAPITAL TITLE SERVICE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,093.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	564 MAGNOLIA AVE, 564, JACKSONVILLE, FL 32259-9022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3873 LORETTO RD, JACKSONVILLE, FL 32223-2052

Mortgage

Document Number	2017216235
Date	Sep 21, 2017
Instrument	2017216235

Lender

Name	FIDELITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

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		$303,680 (+2.7%)	$391,352 (-2.09%) Land $113,192 Building $278,160
2025	$414.00 (-90.9%) Homeowner's exemption Veteran's exemption Widower's exemption	$295,697 (+6.34%)	$399,706 (-1.52%) Land $115,000 Building $284,706
2024	$4,551.00 (+1.2%)
2023	$4,497.00 (+9.02%) Homeowner's exemption	$278,071 (+3%)	$405,857 (+9.25%) Land $105,800 Building $300,057
2022	$4,125.00 Homeowner's exemption	$269,972	$371,496 Land $85,560 Building $285,936

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 26 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	6 (1991–2017)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Sep 2017 · Hurricane Irma
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 64% of the US · lower than 90% 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 312 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

Nearby Properties on Loretto Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures