Duval County property record for 438 18th St N, Jacksonville Beach, FL 32250
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,245 sqft · built 1957 |
| Lot Size | 0.202 acres (8,817 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Dec 2010) |
| Tax Bill | $3,081 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Apr 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 177990-0000 |
| Primary APN | 177990-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,245 sqft Living Area |
| Gross Area | 2,689 sqft |
| 1st Floor Area | 1,789 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,817 sqft (0.202 acres) |
| Lot Dimensions | 118 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 108 sqft |
| Patio Area | 632 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 438 18TH ST N |
|---|---|
| City | JACKSONVILLE BEACH |
| State | FL |
| Zip | 32250-2756 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | JRS-1 |
| Legal Description | 19-44 38-2S-29E PINE GROVE UNIT 4 S/D LOT 5 BLK 7 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 38 |
| Legal Subdivision | PINE GROVE UNIT 04 |
| Legal Block | 7 |
| Legal Lot Number | 5 |
| Legal Unit | 4 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 14101 |
438 18th St N is owned and occupied by an individual who acquired it in August 2019.
Source: Duval County records, as of September 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 438 18TH ST N, JACKSONVILLE BEACH, FL 32250-2756 |
| 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 |
|---|---|
| Feb 24, 2026 | Deed of Trust, Mortgage · Commercial Mortgage POINT DIGITAL FINANCE INC |
| Apr 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Apr 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Sep 6, 2019 | Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 6, 2010 · Amount on File |
| Deed Sale | Dec 6, 2010 · Amount on File |
| Prior Sale | Apr 18, 2001 · Amount on File |
| Deed Document Number | 2010279974 |
| Deed Book / Page | 15447 / 91 |
| Last Transfer Date | Aug 23, 2019 |
| Transfer Doc | 0189211361 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 438 18TH ST N, JACKSONVILLE BEACH, FL 32250-2756 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 438 18TH STN, JACKSONVILLE, FL 32250-2756 |
| Document Number | 0218000336 |
|---|---|
| Date | Feb 24, 2026 |
| Book Page | 21800/336 |
| Instrument | 2026041735 |
| Name | POINT DIGITAL FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | PALO ALTO, CA 94302 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 13, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 438 18TH ST N, JACKSONVILLE BEACH, FL 32250-2756 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2021 |
| Name | Verified Name |
|---|---|
| Address | 438 18TH ST N, JACKSONVILLE BEACH, FL 32250-2756 |
| Document Number | 0197031094 |
|---|---|
| Date | Apr 30, 2021 |
| Book Page | 19703/1094 |
| Instrument | 2021110677 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 438 18TH ST N, JACKSONVILLE BEACH, FL 32250-2756 |
| Document Number | 0191780282 |
| Instrument Date | Apr 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 438 18TH ST N JACKSONVILLE BEACH FL 322502756, JACKSONVILLE BEACH, FL 32250-2756 |
| Document Number | 0191780282 |
|---|---|
| Date | Apr 16, 2020 |
| Book Page | 019178/000282 |
| Instrument | 83699 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 15, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Sep 6, 2019 |
| Property Address | 438 18TH ST N, JACKSONVILLE BEACH, FL 32250-2756 |
| Document Number | 0189211361 |
| Book / Page | 018921 / 001361 |
| Instrument Date | Aug 23, 2019 |
| Instrument | 205383 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2019 |
| Title Company | MARSH LANDING TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 438 18TH ST N JACKSONVILLE BEACH FL 322502756, JACKSONVILLE BEACH, FL 32250-2756 |
| Document Number | 189211363 |
|---|---|
| Date | Sep 6, 2019 |
| Book Page | 018921/001363 |
| Instrument | 205384 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 5, 2049 |
The 2025 property tax bill for 438 18th St N was $3,081 with a homeowner's exemption, up 2.7% from the year before.
Source: Duval County assessment roll, as of September 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Duval County |
| Municipality | Jacksonville Beach City |
| Unified School District | Duval County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $214,591 (+2.7%) | $480,294 (+3.98%) Land $243,600 Building $236,694 | |
| 2025 | $3,081.00 (+2.7%) Homeowner's exemption | $208,950 | $461,888 Land $242,250 Building $219,638 |
| 2024 | $3,000.00 (+3.23%) | ||
| 2023 | $2,906.00 (+9.91%) Homeowner's exemption | $197,148 (+3%) | $411,802 (+12.43%) Land $249,375 Building $162,427 |
| 2022 | $2,644.00 Homeowner's exemption | $191,406 | $366,262 Land $231,562 Building $134,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 438 18th St N in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File median of 189 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 189 in force |
| Nearby Flood Claims | 49 (1979–2022) |
| Claims Outside the SFHA | 34 of 49 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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 438 18th St N 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 | Direct burnable vegetation |
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 | JACKSONVILLE BEACH WTP serves 23,352 people · EPA ID FL2160563 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 293 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| IQ Fiber Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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