4045 Bess Rd, Jacksonville, FL 32277 Property Records

Duval County property record for 4045 Bess Rd, Jacksonville, FL 32277

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,674 sqft · built 1964
Lot Size	0.24 acres (10,433 sqft)
Owner	2 Individual Names on File
Last Sale	$483,000 (Oct 2025)
Tax Bill	$4,206 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Oct 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`111757-0000`

Property Details

APN / Parcel Number

Primary APN	`111757-0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,674 sqft Living Area
Gross Area	3,801 sqft
1st Floor Area	1,038 sqft
Upper Floors Area	1,036 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,433 sqft (0.24 acres)
Lot Dimensions	116 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces
Pool Area	1 sqft
Porch	Screened/Unfinished Porch
Porch Area	427 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4045 BESS RD
City	JACKSONVILLE
State	FL
Zip	32277-2119
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RLD-60
Legal Description	30-27 51-1S-27E FT CAROLINE CLUB ESTATES UNIT NO 4 LOT 252
Legal Range	27E
Legal Township	01S
Legal Section	51
Legal Subdivision	FORT CAROLINE CLUB EST 04
Legal Lot Number	252
Legal Unit	4
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE EAST
Census Block Group	2
Census Block	2001
Census Tract	14702

Owner

Source: Duval County assessment roll, as of June 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	8283 BAYMEADOWS RD E, 2131, JACKSONVILLE, FL 32256-3063
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 3, 2025	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 14, 2022	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Nov 29, 2021	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 3, 2025 · Amount on Record
Deed Sale	Oct 3, 2025 · Amount on Record
Prior Sale	Dec 14, 2022 · Amount on Record
Deed Document Number	2025231145
Deed Book / Page	21642 / 1753
Prior Transfer Date	Mar 27, 1995
Prior Transfer Doc	0000061003
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	4045 BESS RD, JACKSONVILLE, FL 32277-2119
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4045 BESS RD, JACKSONVILLE, FL 32277-2119

Mortgage

Document Number	0207460143
Date	Jul 17, 2023
Book Page	20746/143
Instrument	2023145231

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 3, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Oct 3, 2025
Property Address	4045 BESS RD, JACKSONVILLE, FL 32277-2119
Document Number	0216421753
Book / Page	21642 / 1753
Map Reference	MB 30 PG 27
Instrument Date	Sep 30, 2025
Instrument	2025231145
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,381.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4045 BESS RD, JACKSONVILLE, FL 32277-2119

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8283 BAYMEADOWS RD E APT 2131, 2131, JACKSONVILLE, FL 32256-3063

Mortgage

Document Number	0216421755
Date	Oct 3, 2025
Instrument	21642/1755

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Dec 14, 2022
Property Address	4045 BESS RD, JACKSONVILLE, FL 32277-2119
Document Number	0205262155
Book / Page	20526 / 2155
Map Reference	MB 30 PG 27
Instrument Date	Dec 9, 2022
Instrument	2022303699
Transaction Type	Transfer
Record Updated	Dec 23, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$980.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4045 BESS RD, JACKSONVILLE, FL 32277-2119

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4045 BESS RD, JACKSONVILLE, FL 32277-2119
Investor	Possibly a Property Investor

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Nov 29, 2021
Property Address	4045 BESS RD, JACKSONVILLE, FL 32277-2119
Document Number	0200310663
Book / Page	20031 / 663
Map Reference	MB 30 PG 27
Instrument Date	Nov 22, 2021
Instrument	2021314274
Transaction Type	Transfer
Record Updated	Dec 16, 2021
Title Company	RICHARD T MOREHEAD TITLE AND ESC, RICHARD T MOREHEAD T&E INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7118 ARLET DR, 7118, JACKSONVILLE, FL 32211-7261

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4045 BESS RD, JACKSONVILLE, FL 32277-2119
Investor	Possibly a Property Investor

Mortgage

Document Number	0020031665
Date	Nov 29, 2021
Instrument	20031/665

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

Source: Duval County assessment roll, as of June 3, 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		$421,982 (+64.22%) Land $72,731 Building $349,251	$421,982 (+23.53%) Land $72,731 Building $349,251
2025	$4,206.00 (+6.81%) Homeowner's exemption	$256,965 (+2.9%)	$341,592 (+4.18%) Land $59,220 Building $282,372
2024	$3,938.00 (+5.35%) Homeowner's exemption	$249,724 (+3%)	$327,871 (-0.85%) Land $54,990 Building $272,881
2023	$3,738.00 (+9.27%) Homeowner's exemption Veteran's exemption	$242,451 (+3%)	$330,686 (+13.22%) Land $54,990 Building $275,696
2022	$3,421.00 Homeowner's exemption Veteran's exemption	$235,390	$292,084 Land $50,760 Building $241,324

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	8 (1980–2022)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Matthew, Oct 2016 · 2 claims

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

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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