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3954 Cedar Bluff Ln, Jacksonville, FL 32226 Property Records

Duval County property record for 3954 Cedar Bluff Ln, Jacksonville, FL 32226

Property Summary

Property TypeSingle Family Home
Details5 bd · 2.5 ba · 2,677 sqft · built 2007
Lot Size0.153 acres (6,647 sqft)
Owner2 Individual Names on File
Last Sale$275,500 (Aug 2007)
Tax Bill$2,706 (2025)
Deeds & MortgagesDec 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN106603-0440

Property Details

APN / Parcel Number

Primary APN106603-0440

Interior

Bedrooms5 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,677 sqft Living Area
Gross Area3,374 sqft
1st Floor Area1,495 sqft
Upper Floors Area1,260 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
Exterior MaterialCombination
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area6,647 sqft (0.153 acres)
Garage TypeAttached
Garage Area657 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area40 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address3954 CEDAR BLUFF LN
CityJACKSONVILLE
StateFL
Zip32226-4793
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal Description60-182 36-1N-27E .15 CEDAR GLEN UNIT 2 LOT 48
Legal Range27E
Legal Township01N
Legal Section36
Legal SubdivisionCEDAR GLEN UNIT 2
Legal Lot Number48
Legal Unit2
JurisdictionDUVAL FL
Township / Civil DivisionJACKSONVILLE NORTH
Census Block Group3
Census Block3000
Census Tract10106

Owner

3954 Cedar Bluff Ln is owned and occupied by two individuals who bought it in August 2007.

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

Owner of Record2 Individual Names on File
Mailing Address3954 CEDAR BLUFF LN, JACKSONVILLE, FL 32226-4793
OccupancyOwner Occupied
Owner TypeIndividual

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 Names2 Names on Deed
Last SaleAug 30, 2007 · Amount on File
Deed SaleAug 30, 2007 · Amount on File
Deed Document Number2007280655
Deed Book / Page14163 / 209
Record UpdatedOct 29, 2026

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDUVAL FL
Property Address3954 CEDAR BLUFF LN, JACKSONVILLE, FL 32226-4793
Document Number0190740896
Instrument DateDec 18, 2019
Transaction TypeMortgage
Record UpdatedFeb 12, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3954 CEDAR BLUFF LN JACKSONVILLE FL 322264793, JACKSONVILLE, FL 32226-4793

Mortgage

Document Number0190740896
DateJan 17, 2020
Book Page019074/000896
Instrument14043
Lender
NameVYSTAR CU
TypeCredit Union
AddressJACKSONVILLE, FL 32210
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term240 Months
DueJan 16, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 3954 Cedar Bluff Ln was $2,706 with a homeowner's exemption, up 9.6% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountyDuval County
MunicipalityJacksonville City
Unified School DistrictDuval County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$178,145 (+2.7%)$331,351 (+2.35%) Land $80,000 Building $251,351
2025$2,706.00 (+9.55%) Homeowner's exemption$173,462$323,751 Land $80,000 Building $243,751
2024$2,470.00 (+3.13%)
2023$2,395.00 (+9.61%) Homeowner's exemption$163,665 (+3%)$320,707 (+5.49%) Land $70,000 Building $250,707
2022$2,185.00 Homeowner's exemption$158,899$304,020 Land $65,000 Building $239,020

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

Flood

FEMA maps place 3954 Cedar Bluff Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 33 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies33 in force

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 3954 Cedar Bluff Ln is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire RiskModerate
above 40% of the US · lower than 87% of Florida
Wildfire Likelihood0.05% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemJEA MAJOR GRID
serves 826,664 people · EPA ID FL2161328
Water SourceGroundwater
Last State InspectionFeb 2026
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 296 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
AT&T
Fiber		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20

May also be available: Hotwire Communications.

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