Duval County property record for 3950 Arbor Bluff Ln E, Jacksonville, FL 32225
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,568 sqft · built 1987 |
| Lot Size | 0.177 acres (7,688 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $368,500 (May 2026) |
| Tax Bill | $5,709 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160280-2120 |
| Primary APN | 160280-2120 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,568 sqft Living Area |
| Gross Area | 2,316 sqft |
| 1st Floor Area | 1,568 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,688 sqft (0.177 acres) |
| Lot Dimensions | 112 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 144 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 3950 ARBOR BLUFF LN E |
|---|---|
| City | JACKSONVILLE |
| State | FL |
| Zip | 32225-1653 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 40-89 33-1S-28E 0.19 VALLEY VIEW UNIT 1 LOT 6 BLK 4 |
| Legal Range | 28E |
| Legal Township | 01S |
| Legal Section | 33 |
| Legal Subdivision | VALLEY VIEW UNIT 01 |
| Legal Block | 4 |
| Legal Lot Number | 6 |
| Legal Unit | 1 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE EAST |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 14333 |
3950 Arbor Bluff Ln E is owned and occupied by two individuals who bought it in May 2026.
Source: Duval County records, as of September 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3950 ARBOR BLUFF LN E, JACKSONVILLE, FL 32225-1653 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
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 |
|---|---|
| May 5, 2026 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FIRM |
| May 5, 2026 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE |
| Jan 22, 2023 | Warranty Deed, Transfer · VA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Aug 13, 2021 | Warranty Deed, Transfer WATSON TITLE SERVICES/N FL INC, WATSON TTL SVCS OF NORTH FL |
| Oct 20, 2017 | Warranty Deed, Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 2026 · Amount on File |
| Deed Sale | May 5, 2026 · Amount on File |
| Prior Sale | Jan 22, 2023 · Amount on File |
| Deed Document Number | 2026104557 |
| Deed Book / Page | 21894 / 771 |
| Prior Transfer Date | Nov 19, 1993 |
| Prior Transfer Doc | 0000119642 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | May 5, 2026 |
| Property Address | 3950 ARBOR BLUFF LN E, JACKSONVILLE, FL 32225-1653 |
| Document Number | 0000104557 |
| Book / Page | 21894 / 771 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 2026.104557 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2026 |
| Title Company | AMERICAN CHOICE TITLE, AMERICAS CHOICE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $260,529.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3950 ARBOR BLUFF LN E, JACKSONVILLE, FL 32225-1653 |
| Document Number | 0000104558, |
|---|---|
| Date | May 5, 2026 |
| Instrument | 2026..104558 |
| Name | MORTGAGE FIRM |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | May 5, 2026 |
| Property Address | 3950 ARBOR BLUFF LN E, JACKSONVILLE, FL 32225-1653 |
| Document Number | 0218940771 |
| Book / Page | 21894 / 771 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 2026104557 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | AMERICAS TITLE, AMERICAS CHOICE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $260,529.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3950 ARBOR BLUFF LN E, JACKSONVILLE, FL 32225-1653 |
| Document Number | 0000104558, |
|---|---|
| Date | May 5, 2026 |
| Instrument | 2026104558 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Jan 22, 2023 |
| Property Address | 3950 ARBOR BLUFF LN E, JACKSONVILLE, FL 32225-1653 |
| Document Number | 0205581458 |
| Book / Page | 20558 / 1458 |
| Map Reference | MB 40 PG 89&89A |
| Instrument Date | Jan 12, 2023 |
| Instrument | 2023012669 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2023 |
| Title Company | JACKSONVILLE LAW AND TITLE INC, JACKSONVILLE BLUE OCEAN TTL |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,625.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13176 WEXFORD HOLLOW RD N, JACKSONVILLE, FL 32224-8648 |
| Name | Verified Name |
|---|---|
| Address | 3950 ARBOR BLUFF LN E, JACKSONVILLE, FL 32225-1653 |
| Document Number | 0205581460 |
|---|---|
| Date | Jan 22, 2023 |
| Instrument | 20558/1460 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Aug 13, 2021 |
| Property Address | 3950 ARBOR BLUFF LN E, JACKSONVILLE, FL 32225-1653 |
| Document Number | 0198611981 |
| Book / Page | 19861 / 1981 |
| Map Reference | MB 40 PG 89&89A |
| Instrument Date | Aug 3, 2021 |
| Instrument | 2021209729 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2021 |
| Title Company | WATSON TITLE SERVICES/N FL INC, WATSON TTL SVCS OF NORTH FL |
| Amount | Amount on Record |
|---|---|
| Tax | $2,170.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7028 DEER LODGE CIR UNIT 110, 7028, JACKSONVILLE, FL 32256-8546 |
| Name | Verified Name |
|---|---|
| Address | 53 FOXRIDGE DR, FLETCHER, NC 28732-9114 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Oct 20, 2017 |
| Property Address | 3950 ARBOR BLUFF LN E, JACKSONVILLE, FL 32225-1653 |
| Document Number | 0181581015 |
| Book / Page | 18158 / 1015 |
| Map Reference | PL 40 PG 89&89A |
| Instrument Date | Oct 13, 2017 |
| Instrument | 2017240988 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | LANDMARK TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,120.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7800 POINT MEADOWS DR APT 1034, 7800, JACKSONVILLE, FL 32256-4622 |
| Name | Verified Name |
|---|---|
| Address | 3950 ARBOR BLUFF LN E, JACKSONVILLE, FL 32225-1653 |
| Document Number | 2017240989 |
|---|---|
| Date | Oct 20, 2017 |
| Instrument | 2017240989 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2047 |
The 2025 property tax bill for 3950 Arbor Bluff Ln E was $5,709, up 5.5% from the year before.
Source: Duval County assessment roll, as of September 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Duval County |
| Municipality | Jacksonville City |
| Unified School District | Duval County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $350,163 (+2.17%) Land $110,663 Building $239,500 | $350,163 (-3.22%) Land $110,663 Building $239,500 | |
| 2025 | $5,709.00 (+5.55%) Homeowner's exemption | $342,740 | $361,825 Land $110,000 Building $251,825 |
| 2024 | $5,409.00 (-9.46%) | ||
| 2023 | $5,974.00 (+17%) | $330,183 (+14.47%) Land $85,000 Building $245,183 | $330,183 (+14.47%) Land $85,000 Building $245,183 |
| 2022 | $5,106.00 | $288,456 Land $55,000 Building $233,456 | $288,456 Land $55,000 Building $233,456 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3950 Arbor Bluff Ln 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 |
| Flood Insurance Cost | Premium on File median of 21 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 21 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 risk around 3950 Arbor Bluff Ln E is low, with 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 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 281 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| IQ Fiber Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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