395 5th St, Atlantic Beach, FL 32233 Property Records

Duval County property record for 395 5th St, Atlantic Beach, FL 32233

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,651 sqft · built 2001
Lot Size	0.113 acres (4,935 sqft)
Owner	2 Individual Names on File
Last Sale	$654,000 (Oct 2009)
Tax Bill	$11,006 (2025)
Deeds & Mortgages	Oct 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`169880-0000`

Property Details

APN / Parcel Number

Primary APN	`169880-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,651 sqft Living Area
Gross Area	3,392 sqft
1st Floor Area	1,039 sqft
Upper Floors Area	1,612 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	4,935 sqft (0.113 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	300 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	395 5TH ST
City	ATLANTIC BEACH
State	FL
Zip	32233-5345
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ARS-2
Legal Description	5-69 16-2S-29E .114 ATLANTIC BEACH PT LOT 40 RECD O/R 15027-737 BLK 7
Legal Range	29E
Legal Township	02S
Legal Section	16
Legal Subdivision	ATLANTIC BEACH
Legal Block	7
Legal Lot Number	40
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE BEACHES
Census Block Group	1
Census Block	1020
Census Tract	13905

Owner

395 5th St is owned and occupied by two individuals who bought it in October 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	395 5TH ST, ATLANTIC BEACH, FL 32233-5345
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2009 · Amount on File
Deed Sale	Oct 6, 2009 · Amount on File
Prior Sale	Jul 25, 2001 · Amount on File
Deed Document Number	2009240414
Deed Book / Page	15027 / 737
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	395 5TH ST, ATLANTIC BEACH, FL 32233-5345
Transaction Type	Mortgage
Record Updated	Oct 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	395 5TH ST, ATLANTIC BEACH, FL 32233-5345

Mortgage

Document Number	0216600863
Date	Oct 20, 2025
Book Page	21660/863
Instrument	2025242812

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	ELGIN, IL 60124

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.7%
Index	SOFR Average 30-Day
Max Rate	10.7%

Tax Assessment & Valuation

The 2025 property tax bill for 395 5th St was $11,006 with a homeowner's exemption, up 1.8% from the year before.

Source: Duval County assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	Florida
Municipality	Atlantic Beach City
County	Duval County
Unified School District	Duval County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$699,525 (+2.7%)	$1,309,861 (+1.27%) Land $753,749 Building $556,112
2025	$11,006.00 (+1.77%) Homeowner's exemption	$681,135	$1,293,459 Land $750,000 Building $543,459
2024	$10,815.00 (+2.65%)
2023	$10,536.00 (+7.47%) Homeowner's exemption	$642,660 (+3%)	$1,078,312 (+7%) Land $625,000 Building $453,312
2022	$9,804.00 Homeowner's exemption	$623,942	$1,007,722 Land $610,000 Building $397,722

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

Flood

FEMA maps place 395 5th 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 A, 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	Hurricane Irma, Sep 2017 · 4 claims Hurricane Matthew, Oct 2016 · 3 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 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

Wildfire risk around 395 5th 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 597 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
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
T-Mobile Fixed Wireless	100 / 20