4425 Bluff Ave, Jacksonville, FL 32225 Property Records

Duval County property record for 4425 Bluff Ave, Jacksonville, FL 32225

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,848 sqft · built 1975
Lot Size	0.204 acres (8,896 sqft)
Owner	2 Individual Names on File
Last Sale	$342,000 (Dec 2023)
Tax Bill	$4,558 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`160573-0010`

Property Details

APN / Parcel Number

Primary APN	`160573-0010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,848 sqft Living Area
Gross Area	2,304 sqft
1st Floor Area	1,008 sqft
Upper Floors Area	840 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,896 sqft (0.204 acres)
Lot Dimensions	100 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	20 sqft
Deck Area	200 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4425 BLUFF AVE
City	JACKSONVILLE
State	FL
Zip	32225-1407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RLD-70
Legal Description	33-8 47-1S-28E .20 BEACON HILLS & HARBOR UNIT 1B PT LOTS 31,32 RECD O/R 20888-2318 BLK 1
Legal Range	28E
Legal Township	01S
Legal Section	29
Legal Subdivision	BEACON HILLS & HARBOR 01A
Legal Block	1
Legal Lot Number	31,32
Legal Unit	1B
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE EAST
Census Block Group	1
Census Block	1013
Census Tract	14601

Owner

4425 Bluff Ave is owned and occupied by two individuals who bought it in December 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	4425 BLUFF AVE, JACKSONVILLE, FL 32225-1407
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
Dec 6, 2023	Warranty Deed, Transfer · Conventional Mortgage RADIFI FCU
May 4, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2023 · Amount on File
Deed Sale	Dec 6, 2023 · Amount on File
Prior Sale	Aug 1, 2016 · Amount on File
Deed Document Number	2023249620
Deed Book / Page	20888 / 2318
Prior Transfer Date	Sep 30, 2004
Prior Transfer Doc	0000400409
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Dec 6, 2023
Property Address	4425 BLUFF AVE, JACKSONVILLE, FL 32225-1407
Document Number	0208882318
Book / Page	20888 / 2318
Map Reference	MB 33 PG 8
Instrument Date	Nov 29, 2023
Instrument	2023249620
Transaction Type	Transfer
Record Updated	Dec 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,394.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	328 LANCING WAY, CHESAPEAKE, VA 23323-6601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4425 BLUFF AVE, JACKSONVILLE, FL 32225-1407

Mortgage

Document Number	0208882320
Date	Dec 6, 2023
Instrument	20888/2320

Lender

Name	RADIFI FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 2, 2053

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	4425 BLUFF AVE, JACKSONVILLE, FL 32225-1407
Transaction Type	Mortgage
Record Updated	May 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1441 SANTA LUCIA RD 612, 612, CHULA VISTA, CA 91913-3600

Mortgage

Document Number	0197072164
Date	May 4, 2021
Book Page	19707/2164
Instrument	2021113509

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	304 Months
Due	Sep 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 4425 Bluff Ave was $4,558 with exemptions applied, up 6.5% 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		$269,751 (-4.28%) Land $116,963 Building $152,788	$269,751 (-4.84%) Land $116,963 Building $152,788
2025	$4,558.00 (+6.5%) Homeowner's exemption Veteran's exemption	$281,818	$283,469 Land $100,000 Building $183,469
2024	$4,280.00 (+58.64%)
2023	$2,698.00 (+9.45%) Homeowner's exemption	$179,522 (+3%)	$263,653 (+11.48%) Land $85,000 Building $178,653
2022	$2,465.00 Homeowner's exemption	$174,294	$236,504 Land $80,000 Building $156,504

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

Flood

FEMA maps place 4425 Bluff Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1989.

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 24 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	4 (1989–2013)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Aug 2013 · other causes

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 4425 Bluff Ave is low, with a 0.02% 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	0.02% 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 354 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 · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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