4522 Bluff Ave, Jacksonville, FL 32225 Property Records

Duval County property record for 4522 Bluff Ave, Jacksonville, FL 32225

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,725 sqft · built 1961
Lot Size	0.194 acres (8,439 sqft)
Owner	2 Individual Names on Record
Last Sale	$339,900 (Jun 2021)
Tax Bill	$5,018 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`160399-0000`

Property Details

APN / Parcel Number

Primary APN	`160399-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,725 sqft Living Area
Gross Area	1,851 sqft
1st Floor Area	1,125 sqft
Upper Floors Area	600 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,439 sqft (0.194 acres)
Lot Dimensions	122 ft deep x 75 ft wide
Porch	Screened Porch
Porch Area	500 sqft
Patio Area	126 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4522 BLUFF AVE
City	JACKSONVILLE
State	FL
Zip	32225-1410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RLD-70
Legal Description	30-15 29-1S-28E BEACON HILLS & HARBOR UNIT 1 LOT 17 BLK 6
Legal Range	28E
Legal Township	01S
Legal Section	29
Legal Subdivision	BEACON HILLS & HARBOR 01
Legal Block	6
Legal Lot Number	17
Legal Unit	1
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE EAST
Census Block Group	1
Census Block	1012
Census Tract	14601

Owner

Source: Duval County records, 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 Record
Mailing Address	4522 BLUFF AVE, JACKSONVILLE, FL 32225-1410
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2021	Warranty Deed, Transfer · FHA Mortgage FIRST OPTION MORTGAGE LLC
Oct 11, 2017	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2021 · Amount on Record
Deed Sale	Jun 23, 2021 · Amount on Record
Prior Sale	Oct 11, 2017 · Amount on Record
Deed Document Number	2021155354
Deed Book / Page	19773 / 308
Prior Transfer Date	Feb 20, 2014
Prior Transfer Doc	0169990998
Record Updated	Sep 20, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Jun 23, 2021
Property Address	4522 BLUFF AVE, JACKSONVILLE, FL 32225-1410
Document Number	0197730308
Book / Page	19773 / 308
Map Reference	MB 30 PG 15
Instrument Date	Jun 8, 2021
Instrument	2021155354
Transaction Type	Transfer
Record Updated	Jul 19, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,379.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12401 GATELY OAKS LN E, 12401, JACKSONVILLE, FL 32225-3982

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4522 BLUFF AVE, JACKSONVILLE, FL 32225-1410

Mortgage

Document Number	19773310
Date	Jun 23, 2021
Instrument	19773/310

Lender

Name	FIRST OPTION MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Oct 11, 2017
Property Address	4522 BLUFF AVE, JACKSONVILLE, FL 32225-1410
Document Number	0181480133
Book / Page	18148 / 0133
Map Reference	MB 30 PG 15&15A
Instrument Date	Oct 4, 2017
Instrument	2017232948
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	PONTE VEDRA TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,420.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12873 CAPTIVA CT, 12873, JACKSONVILLE, FL 32225-3891

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4522 BLUFF AVE, JACKSONVILLE, FL 32225-1410

Mortgage

Document Number	2017232949
Date	Oct 11, 2017
Instrument	2017232949

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

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		$310,943 (+2.7%)	$335,858 (+2.22%) Land $105,313 Building $230,545
2025	$5,018.00 (+6.02%) Homeowner's exemption	$302,769 (+5.99%)	$328,567 (+6.17%) Land $100,000 Building $228,567
2024	$4,733.00 (+2.8%)
2023	$4,604.00 (+9.1%) Homeowner's exemption	$285,667 (+3%)	$309,487 (+11.59%) Land $85,000 Building $224,487
2022	$4,220.00 Homeowner's exemption	$277,347 Land $80,000 Building $197,347	$277,347 Land $80,000 Building $197,347

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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