3961 Arbor Bluff Ln E, Jacksonville, FL 32225 Property Records

Duval County property record for 3961 Arbor Bluff Ln E, Jacksonville, FL 32225

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,513 sqft · built 1985
Lot Size	0.171 acres (7,459 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Aug 2015)
Tax Bill	$2,441 (2025)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`160280-2070`

Property Details

APN / Parcel Number

Primary APN	`160280-2070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,513 sqft Living Area
Gross Area	2,197 sqft
1st Floor Area	1,513 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1990
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,459 sqft (0.171 acres)
Lot Dimensions	109 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed/Finished Porch
Porch Area	222 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3961 ARBOR BLUFF LN E
City	JACKSONVILLE
State	FL
Zip	32225-1654
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	40-89 33-1S-28E VALLEY VIEW UNIT 1 LOT 11 BLK 3
Legal Range	28E
Legal Township	01S
Legal Section	33
Legal Subdivision	VALLEY VIEW UNIT 01
Legal Block	3
Legal Lot Number	11
Legal Unit	1
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE EAST
Census Block Group	1
Census Block	1000
Census Tract	14333

Owner

3961 Arbor Bluff Ln E is owned and occupied by an individual who bought it in August 2015.

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

Owner of Record	Individual Name on File
Mailing Address	3961 ARBOR BLUFF LN E, JACKSONVILLE, FL 32225-1654
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	Name on Deed
Last Sale	Aug 13, 2015 · Amount on File
Deed Sale	Aug 13, 2015 · Amount on File
Prior Sale	Jul 30, 2004 · Amount on File
Deed Document Number	2015185814
Deed Book / Page	17266 / 2250
Prior Transfer Date	Apr 30, 2006
Prior Transfer Doc	0132530501
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	3961 ARBOR BLUFF LN E, JACKSONVILLE, FL 32225-1654
Transaction Type	Mortgage
Record Updated	Aug 16, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3961 ARBOR BLUFF LN E, JACKSONVILLE, FL 32225-1654

Mortgage

Document Number	0198360673
Date	Jul 28, 2021
Book Page	19836/673
Instrument	2021193656

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3961 Arbor Bluff Ln E was $2,441 with a homeowner's exemption, up 10.4% 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		$162,808 (+2.7%)	$290,927 (-2.71%) Land $110,663 Building $180,264
2025	$2,441.00 (+10.4%) Homeowner's exemption	$158,528	$299,031 Land $110,000 Building $189,031
2024	$2,211.00 (+3.22%)
2023	$2,142.00 (+9.73%) Homeowner's exemption	$149,574 (+3%)	$268,705 (+16.95%) Land $85,000 Building $183,705
2022	$1,952.00 Homeowner's exemption	$145,218	$229,756 Land $55,000 Building $174,756

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

Flood

FEMA maps place 3961 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

Wildfire risk around 3961 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.

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 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