4505 Bluff Ave, Jacksonville, FL 32225 Property Records

Duval County property record for 4505 Bluff Ave, Jacksonville, FL 32225

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,718 sqft · built 1964
Lot Size	0.275 acres (11,983 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Feb 2026)
Tax Bill	$4,906 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Oct 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`160382-0000`

Property Details

APN / Parcel Number

Primary APN	`160382-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,718 sqft Living Area
Gross Area	2,326 sqft
1st Floor Area	1,454 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,983 sqft (0.275 acres)
Lot Dimensions	100 ft deep x 112 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4505 BLUFF AVE
City	JACKSONVILLE
State	FL
Zip	32225-1434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RLD-70
Legal Description	30-15 29-1S-28 BEACON HILLS & HARBOR UNIT 1 LOT 13 BLK 2
Legal Range	28E
Legal Township	01S
Legal Section	29
Legal Subdivision	BEACON HILLS & HARBOR 01
Legal Block	2
Legal Lot Number	13
Legal Unit	1
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE EAST
Census Block Group	1
Census Block	1013
Census Tract	14601

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Fort Caroline National Memorial listed 1966 · 5 contributing resources · NRIS 66000061

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Duval County records, as of September 25, 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 Record
Mailing Address	4505 BLUFF AVE, JACKSONVILLE, FL 32225-1434
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2026	Deed, Transfer · VA Mortgage GUARANTEED RATE INC
Oct 25, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2026 · Amount on Record
Deed Sale	Feb 5, 2026 · Amount on Record
Prior Sale	Dec 2, 2015 · Amount on Record
Deed Document Number	202628118
Deed Book / Page	21781 / 96
Transfer Doc	0185771481
Record Updated	Oct 29, 2026

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	DUVAL FL
Recording Date	Feb 5, 2026
Property Address	4505 BLUFF AVE, JACKSONVILLE, FL 32225-1434
Document Number	0217810096
Book / Page	21781 / 96
Map Reference	MB 30 PG 15&15A
Instrument Date	Feb 2, 2026
Instrument	2026028110
Transaction Type	Transfer
Record Updated	Feb 17, 2026
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 350217, PALM COAST, FL 32135-0217

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4505 BLUFF AVE, JACKSONVILLE, FL 32225-1434

Mortgage

Document Number	0002178198
Date	Feb 5, 2026
Instrument	21781/98

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.2%
Type Change Date	Jul 1, 2031
Change Frequency	Annually
Min Rate At Change	4.2%
Max Rate At Change	6.2%
Index	1-Year T-Bill
Margin	2
Max Rate	6.2%

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DUVAL FL
Recording Date	Oct 25, 2018
Property Address	4505 BLUFF AVE, JACKSONVILLE, FL 32225-1434
Document Number	0185771481
Book / Page	018577 / 001481
Instrument Date	Oct 11, 2018
Instrument	254915
Transaction Type	Transfer
Record Updated	Dec 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1823 BUCCANEER DR JACKSONVILLE FL 322252128, JACKSONVILLE, FL 32225-2128

Tax Assessment & Valuation

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		$254,189 (-4.2%) Land $115,931 Building $138,258	$254,189 (-4.2%) Land $115,931 Building $138,258
2025	$4,906.00 (+10.42%)	$265,335 (+7.79%) Land $100,000 Building $165,335	$265,335 (+7.79%) Land $100,000 Building $165,335
2024	$4,443.00 (+6.62%)
2023	$4,167.00 (+16.2%)	$246,163 (+11.24%) Land $85,000 Building $161,163	$246,163 (+11.24%) Land $85,000 Building $161,163
2022	$3,586.00	$221,286 Land $80,000 Building $141,286	$221,286 Land $80,000 Building $141,286

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

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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