Duval County property record for 388 11th St, Atlantic Beach, FL 32233
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 7 ba · 5,649 sqft · built 2019 |
| Lot Size | 0.258 acres (11,247 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $412,100 (May 2016) |
| Tax Bill | $20,373 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit Aug 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 170092-0000 |
| Primary APN | 170092-0000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 7 Baths |
| Stories | 2 Stories |
| Building Area | 5,649 sqft Living Area |
| Gross Area | 7,102 sqft |
| 1st Floor Area | 3,053 sqft |
| Upper Floors Area | 2,596 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 11,247 sqft (0.258 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 650 sqft |
| Pool Area | 6 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 803 sqft |
| Deck Area | Deck Area |
| Patio Area | 449 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 388 11TH ST |
|---|---|
| City | ATLANTIC BEACH |
| State | FL |
| Zip | 32233-5532 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ARS-1 |
| Legal Description | 5-69 16-2S-29E ATLANTIC BEACH LOT 41,W1/2 LOT 39 BLK 13 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Subdivision | ATLANTIC BEACH |
| Legal Block | 13 |
| Legal Lot Number | 41,39 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 13905 |
388 11th St is owned and occupied by two individuals who acquired it in October 2016.
Source: Duval County records, as of September 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 388 11TH ST, ATLANTIC BEACH, FL 32233-5532 |
| 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 |
|---|---|
| Nov 22, 2021 | Deed of Trust, Mortgage · Line of Credit 121 FINANCIAL CU |
| Aug 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 24, 2017 | Deed of Trust, Mortgage · Construction Mortgage WHITNEY BANK |
| Mar 18, 2019 | Loan Modification, Mortgage HANCOCK WHITNEY BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 10, 2016 · Amount on File |
| Deed Sale | May 10, 2016 · Amount on File |
| Prior Sale | Apr 29, 2016 · Amount on File |
| Deed Document Number | 2016105126 |
| Deed Book / Page | 17556 / 2282 |
| Last Transfer Date | Oct 11, 2016 |
| Transfer Doc | 0177381642 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 388 11TH ST, ATLANTIC BEACH, FL 32233-5532 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2021 |
| Name | Verified Name |
|---|---|
| Address | 388 11TH ST, ATLANTIC BCH, FL 32233-5532 |
| Document Number | 0200251253 |
|---|---|
| Date | Nov 22, 2021 |
| Book Page | 20025/1253 |
| Instrument | 2021310787 |
| Name | 121 FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 21, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 388 11TH ST, ATLANTIC BEACH, FL 32233-5532 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2021 |
| Name | Verified Name |
|---|---|
| Address | 388 11TH ST, ATLANTIC BCH, FL 32233-5532 |
| Document Number | 0198532119 |
|---|---|
| Date | Aug 9, 2021 |
| Book Page | 19853/2119 |
| Instrument | 2021205001 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 388 11TH ST, ATLANTIC BEACH, FL 32233-5532 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0181011124 |
|---|---|
| Date | Aug 24, 2017 |
| Book Page | 18101/1124 |
| Instrument | 2017199688 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | GULFPORT, MS 39502 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 388 11TH ST, ATLANTIC BEACH, FL 32233-5532 |
| Document Number | 0187912052 |
| Instrument Date | Mar 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 7, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 388 11TH ST JACKSONVILLE FL 322335532, JACKSONVILLE, FL 32233-5532 |
| Document Number | 0187912052 |
|---|---|
| Date | May 14, 2019 |
| Book Page | 018791/002052 |
| Instrument | 112394 |
| Name | HANCOCK WHITNEY BK |
|---|---|
| Address | NEW ORLEANS, LA 70122 |
| Amount | Amount on Record |
|---|---|
| Term | 336 Months |
| Due | May 13, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
The 2025 property tax bill for 388 11th St was $20,373 with a homeowner's exemption, up 1.7% from the year before.
Source: Duval County assessment roll, as of September 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| Municipality | Atlantic Beach City |
| County | Duval County |
| Unified School District | Duval County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,258,814 (+2.7%) | $2,782,523 (+1.86%) Land $1,156,689 Building $1,625,834 | |
| 2025 | $20,373.00 (+1.7%) Homeowner's exemption | $1,225,720 | $2,731,750 Land $1,125,000 Building $1,606,750 |
| 2024 | $20,032.00 (+2.57%) | ||
| 2023 | $19,531.00 (+7.28%) Homeowner's exemption | $1,156,482 (+3%) | $1,507,989 (+8.51%) Land $750,000 Building $757,989 |
| 2022 | $18,206.00 Homeowner's exemption | $1,122,799 | $1,389,769 Land $732,000 Building $657,769 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 388 11th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File median of 342 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 531 units insured incl. 189 condo units |
| Nearby Flood Claims | 44 (1979–2017) |
| Claims Outside the SFHA | 40 of 44 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
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 388 11th St 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 98% of the US · lower than 97.6% 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 | ATLANTIC BEACH WATER SYSTEM serves 23,503 people · EPA ID FL2160200 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2023 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 525 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 |
| 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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