3888 Rancho Rd E, Jacksonville, FL 32221 Property Records

Duval County property record for 3888 Rancho Rd E, Jacksonville, FL 32221

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,352 sqft · built 1984
Lot Size	0.675 acres (29,396 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Mar 2020)
Tax Bill	$2,682 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Sep 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`012948-0460`

Property Details

APN / Parcel Number

Primary APN	`012948-0460`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,352 sqft Living Area
Gross Area	2,130 sqft
1st Floor Area	1,352 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	29,396 sqft (0.675 acres)
Lot Dimensions	300 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	328 sqft
Deck Area	Deck Area
Patio Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3888 RANCHO RD E
City	JACKSONVILLE
State	FL
Zip	32221-2342
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RLD-60
Legal Description	5-93 08-3S-25E .69 JACKSONVILLE HEIGHTS PT TRACT 4 RECD O/R 19128-2365 BLK 2
Legal Range	25E
Legal Township	03S
Legal Section	08
Legal Subdivision	JAX HEIGHTS SEC
Legal Tract	4
Legal Block	2
Legal Lot Number	4
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE WEST
Census Block Group	2
Census Block	2000
Census Tract	13732

Owner

3888 Rancho Rd E is owned and occupied by an individual who bought it in March 2020.

Source: Duval County records, as of September 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	3888 RANCHO RD E, JACKSONVILLE, FL 32221-2342
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC
Sep 6, 2018	Deed of Trust, Mortgage · Line of Credit 121 FINANCIAL CU
Mar 5, 2020	Warranty Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC
Feb 26, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2020 · Amount on File
Deed Sale	Mar 5, 2020 · Amount on File
Prior Sale	Dec 9, 1997 · Amount on File
Deed Document Number	202052716
Deed Book / Page	19128 / 2365
Prior Transfer Date	Jan 4, 2019
Prior Transfer Doc	0187002108
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	3888 RANCHO RD E, JACKSONVILLE, FL 32221-2342
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180920188
Date	Aug 16, 2017
Book Page	18092/0188
Instrument	2017192870

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	TAMPA, FL 33607

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2037

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	3888 RANCHO RD E, JACKSONVILLE, FL 32221-2342
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0185161617
Date	Sep 6, 2018
Book Page	18516/1617
Instrument	2018209818

Lender

Name	121 FINANCIAL CU
Type	Credit Union
Address	JACKSONVILLE, FL 32203

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 5, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Mar 5, 2020
Property Address	3888 RANCHO RD E, JACKSONVILLE, FL 32221-2342
Document Number	0191282365
Book / Page	19128 / 2365
Map Reference	MB 5 PG 93
Instrument Date	Feb 28, 2020
Instrument	2020052716
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	ENCORE TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3888 RANCHO RD E, 3888, JACKSONVILLE, FL 32221-2342

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 MCCARGO ST S, JACKSONVILLE, FL 32220-3356

Mortgage

Document Number	0191282367
Date	Mar 5, 2020
Instrument	19128/2367

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DUVAL FL
Recording Date	Feb 26, 2019
Property Address	3888 RANCHO RD E, JACKSONVILLE, FL 32221-2342
Document Number	0187002108
Book / Page	018700 / 002108
Instrument Date	Jan 4, 2019
Instrument	44005
Transaction Type	Transfer
Record Updated	Mar 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3888 RANCHO RD E JACKSONVILLE FL 322212342, JACKSONVILLE, FL 32221-2342

Tax Assessment & Valuation

The 2025 property tax bill for 3888 Rancho Rd E was $2,682 with a homeowner's exemption, up 9.6% from the year before.

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		$175,690 (+2.7%)	$220,433 (+2.37%) Land $52,232 Building $168,201
2025	$2,682.00 (+9.6%) Homeowner's exemption	$171,072	$215,331 Land $50,000 Building $165,331
2024	$2,447.00 (+3.12%)
2023	$2,373.00 (+9.56%) Homeowner's exemption	$161,409 (+3%)	$201,942 (+6.42%) Land $50,000 Building $151,942
2022	$2,166.00 Homeowner's exemption	$156,708	$189,755 Land $45,000 Building $144,755

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3888 Rancho Rd E in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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	6 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017 · Hurricane Irma

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

Wildfire risk around 3888 Rancho Rd E is moderate, ranking above 44% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.08% 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 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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