Duval County property record for 3985 Hammock Bluff Cir, Jacksonville, FL 32226
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3 ba · 3,756 sqft · built 2018 |
| Lot Size | 0.175 acres (7,601 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $351,817 (Jun 2018) |
| Tax Bill | $384 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 106381-4290 |
| Primary APN | 106381-4290 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,756 sqft Living Area |
| Gross Area | 4,530 sqft |
| 1st Floor Area | 1,441 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Combination |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,601 sqft (0.175 acres) |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 294 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 3985 HAMMOCK BLUFF CIR |
|---|---|
| City | JACKSONVILLE |
| State | FL |
| Zip | 32226-4609 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 69-185 25-1N-27E TALLOW RIDGE PHASE 01 LOT 90 |
| Legal Range | 27E |
| Legal Township | 01N |
| Legal Section | 25 |
| Legal Subdivision | TALLOW RIDGE PHASE 01 |
| Legal Phase | 1 |
| Legal Lot Number | 90 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE NORTH |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 10106 |
3985 Hammock Bluff Cir is owned and occupied by two individuals who bought it in June 2018.
Source: Duval County records, as of September 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3985 HAMMOCK BLUFF CIR, JACKSONVILLE, FL 32226-4609 |
| 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.
| Date | Document |
|---|---|
| Aug 3, 2021 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC |
| Mar 6, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Jun 6, 2018 | Warranty Deed, Subdivision Related Transfer · VA Mortgage JET HOMELOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 6, 2018 · Amount on File |
| Deed Sale | Jun 6, 2018 · Amount on File |
| Deed Document Number | 2018133457 |
| Deed Book / Page | 18412 / 465 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 3985 HAMMOCK BLUFF CIR, JACKSONVILLE, FL 32226-4609 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0198431464 |
|---|---|
| Date | Aug 3, 2021 |
| Book Page | 19843/1464 |
| Instrument | 2021198599 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 3985 HAMMOCK BLUFF CIR, JACKSONVILLE, FL 32226-4609 |
| Document Number | 0191431439 |
| Instrument Date | Mar 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3985 HAMMOCK BLUFF CIR JACKSONVILLE FL 322264609, JACKSONVILLE, FL 32226-4609 |
| Document Number | 0191431439 |
|---|---|
| Date | Mar 18, 2020 |
| Book Page | 019143/001439 |
| Instrument | 63336 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 17, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Jun 6, 2018 |
| Property Address | 3985 HAMMOCK BLUFF CIR, JACKSONVILLE, FL 32226-4609 |
| Document Number | 0184120465 |
| Book / Page | 18412 / 0465 |
| Map Reference | MB 69 PG 185-189 |
| Instrument Date | May 31, 2018 |
| Instrument | 2018133457 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | DF TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,463.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 3985 HAMMOCK BLUFF CIR, JACKSONVILLE, FL 32226-4609 |
| Document Number | 2018133458 |
|---|---|
| Date | Jun 6, 2018 |
| Instrument | 2018133458 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2048 |
The 2025 property tax bill for 3985 Hammock Bluff Cir was $384 with exemptions applied, down 93.9% 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 | $409,123 (+4.7%) | $494,487 (+8.2%) Land $122,047 Building $372,440 | |
| 2025 | $384.00 (-93.87%) Homeowner's exemption Veteran's exemption Widower's exemption | $390,768 | $456,994 Land $90,000 Building $366,994 |
| 2024 | $6,261.00 (+2.72%) | ||
| 2023 | $6,095.00 (+19.77%) Homeowner's exemption | $368,696 (+12.29%) | $506,145 (+16.42%) Land $80,000 Building $426,145 |
| 2022 | $5,089.00 Homeowner's exemption | $328,339 | $434,741 Land $75,000 Building $359,741 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3985 Hammock Bluff Cir 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 risk around 3985 Hammock Bluff Cir is moderate, ranking above 43% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% 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.
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 81 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 |
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