Duval County property record for 4516 Bluff Ave, Jacksonville, FL 32225
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,700 sqft · built 1974 |
| Lot Size | 0.203 acres (8,828 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Nov 2025) |
| Tax Bill | $3,592 (2025) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Aug 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160398-0000 |
| Primary APN | 160398-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,700 sqft Living Area |
| Gross Area | 2,396 sqft |
| 1st Floor Area | 672 sqft |
| Upper Floors Area | 812 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,828 sqft (0.203 acres) |
| Lot Dimensions | 122 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 4516 BLUFF AVE |
|---|---|
| City | JACKSONVILLE |
| State | FL |
| Zip | 32225-1410 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 30-15 29-1S-28E BEACON HILLS & HARBOR UNIT 1 LOT 16 BLK 6 |
| Legal Range | 28E |
| Legal Township | 01S |
| Legal Section | 29 |
| Legal Subdivision | BEACON HILLS & HARBOR 01 |
| Legal Block | 6 |
| Legal Lot Number | 16 |
| Legal Unit | 1 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE EAST |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 14601 |
Source: Duval County records · APN 160398-0000
Assessment roll updated June 3, 2026 · Last verified June 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 | 4516 BLUFF AVE, JACKSONVILLE, FL 32225-1410 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Nov 21, 2025 | Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Aug 12, 2019 | Warranty Deed, Transfer · Conventional Mortgage USSA FSB |
| Sep 16, 2018 | Warranty Deed, Transfer · FHA Mortgage PACIFIC UNION FINANCIAL LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 21, 2025 · Amount on Record |
| Deed Sale | Nov 21, 2025 · Amount on Record |
| Prior Sale | Aug 12, 2019 · Amount on Record |
| Deed Document Number | 2025269292 |
| Deed Book / Page | 21699 / 657 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Nov 21, 2025 |
| Property Address | 4516 BLUFF AVE, JACKSONVILLE, FL 32225-1410 |
| Document Number | 0216990657 |
| Book / Page | 21699 / 657 |
| Map Reference | MB 30 PG 15&15A |
| Instrument Date | Nov 12, 2025 |
| Instrument | 2025269292 |
| Transaction Type | Transfer |
| Record Updated | Dec 09, 2025 |
| Title Company | LANDMARK TITLE, LANDMARK TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11115 PARTICLE CT, JACKSONVILLE, FL 32256-4158 |
| Name | Verified Name |
|---|---|
| Address | 4516 BLUFF AVE, JACKSONVILLE, FL 32225-1410 |
| Document Number | 0021699659 |
|---|---|
| Date | Nov 21, 2025 |
| Instrument | 21699/659 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Aug 12, 2019 |
| Property Address | 4516 BLUFF AVE, JACKSONVILLE, FL 32225-1410 |
| Document Number | 0188952079 |
| Book / Page | 018895 / 002079 |
| Instrument Date | Aug 01, 2019 |
| Instrument | 187046 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,715.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11011 HARBOR CAY CT JACKSONVILLE FL 322254043, JACKSONVILLE, FL 32225-4043 |
| Document Number | 188952081 |
|---|---|
| Date | Aug 12, 2019 |
| Book Page | 018895/152081 |
| Instrument | 187047 |
| Name | USSA FSB |
|---|---|
| Type | Federal Savings Bank |
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 11, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Sep 16, 2018 |
| Property Address | 4516 BLUFF AVE, JACKSONVILLE, FL 32225-1410 |
| Document Number | 0185290832 |
| Book / Page | 18529 / 0832 |
| Map Reference | MB 30 PG 15&15A |
| Instrument Date | Aug 27, 2018 |
| Instrument | 2018219288 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 115 BETHEL ST, 115, MORGANTON, NC 28655-3681 |
| Name | Verified Name |
|---|---|
| Address | 4516 BLUFF AVE, JACKSONVILLE, FL 32225-1410 |
| Document Number | 2018219289 |
|---|---|
| Date | Sep 16, 2018 |
| Instrument | 2018219289 |
| Name | PACIFIC UNION FINANCIAL LLC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2048 |
Source: Duval County records · Assessment roll updated June 3, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Duval County |
| Municipality | Jacksonville City |
| Unified School District | Duval County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $336,517 (+48%) Land $101,711 Building $234,806 | $336,517 (+2.18%) Land $101,711 Building $234,806 | |
| 2025 | $3,592.00 (+7.71%) Homeowner's exemption Widower's exemption | $227,369 (+5.99%) | $329,353 (+6.63%) Land $100,000 Building $229,353 |
| 2024 | $3,335.00 (+3.03%) | ||
| 2023 | $3,237.00 (+6.66%) Homeowner's exemption Widower's exemption | $214,527 (+3%) | $308,885 (+11.75%) Land $85,000 Building $223,885 |
| 2022 | $3,035.00 Homeowner's exemption Widower's exemption | $208,279 | $276,414 Land $80,000 Building $196,414 |
Source: FEMA National Flood Hazard Layer, Duval County (12031C), updated June 11, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120310146011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 |
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 354 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| IQ Fiber Intermediate Holdings 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 USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | JEA MAJOR GRID serves 826,664 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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