3960 Cedar Bluff Ln, Jacksonville, FL 32226 Property Records

Duval County property record for 3960 Cedar Bluff Ln, Jacksonville, FL 32226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,705 sqft · built 2008
Lot Size	0.152 acres (6,640 sqft)
Owner	2 Individual Names on File
Last Sale	$182,100 (Dec 2008)
Tax Bill	$366 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`106603-0445`

Property Details

APN / Parcel Number

Primary APN	`106603-0445`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,705 sqft Living Area
Gross Area	2,170 sqft
1st Floor Area	1,705 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,640 sqft (0.152 acres)
Garage Type	Attached
Garage Area	429 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	36 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3960 CEDAR BLUFF LN
City	JACKSONVILLE
State	FL
Zip	32226-4793
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	60-182 36-1N-27E .15 CEDAR GLEN UNIT 2 LOT 49
Legal Range	27E
Legal Township	01N
Legal Section	36
Legal Subdivision	CEDAR GLEN UNIT 2
Legal Lot Number	49
Legal Unit	2
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE NORTH
Census Block Group	3
Census Block	3000
Census Tract	10106

Owner

3960 Cedar Bluff Ln is owned and occupied by two individuals who bought it in December 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	3960 CEDAR BLUFF LN, JACKSONVILLE, FL 32226-4793
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

Date	Document
Jul 19, 2018	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 19, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED SECURITY FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2008 · Amount on File
Deed Sale	Dec 5, 2008 · Amount on File
Deed Document Number	2008304110
Deed Book / Page	14716 / 1119
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	3960 CEDAR BLUFF LN, JACKSONVILLE, FL 32226-4793
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0184621355
Date	Jul 19, 2018
Book Page	18462/1355
Instrument	2018170147

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	3960 CEDAR BLUFF LN, JACKSONVILLE, FL 32226-4793
Document Number	0189482480
Instrument Date	Sep 19, 2019
Transaction Type	Mortgage
Record Updated	Oct 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3960 CEDAR BLUFF LN JACKSONVILLE FL 322264793, JACKSONVILLE, FL 32226-4793

Mortgage

Document Number	0189482480
Date	Sep 30, 2019
Book Page	018948/002480
Instrument	224794

Lender

Name	UNITED SECURITY FINANCIAL CORP
Address	930 E 6600 S, SOLITUDE, UT 84121-2445

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 29, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3960 Cedar Bluff Ln was $366 with exemptions applied, down 77.3% 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		$132,657 (+2.7%)	$260,229 (+2.15%) Land $80,000 Building $180,229
2025	$366.00 (-77.3%) Homeowner's exemption Veteran's exemption Widower's exemption	$129,170	$254,755 Land $80,000 Building $174,755
2024	$1,612.00 (+3.67%)
2023	$1,555.00 (+10.36%) Homeowner's exemption Veteran's exemption	$121,874 (+3%)	$245,319 (+5.45%) Land $70,000 Building $175,319
2022	$1,409.00 Homeowner's exemption Veteran's exemption	$118,325	$232,635 Land $65,000 Building $167,635

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

Flood

FEMA maps place 3960 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 33 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	33 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 3960 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 Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 296 locations within half a mile, as of December 31, 2025

Provider	Max 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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