4539 Bluff Ave, Jacksonville, FL 32225 Property Records

Duval County property record for 4539 Bluff Ave, Jacksonville, FL 32225

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,516 sqft · built 1964
Lot Size	0.178 acres (7,754 sqft)
Owner	2 Individual Names on Record
Last Sale	$104,700 (Aug 2001)
Tax Bill	$1,890 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`160378-0000`

Property Details

APN / Parcel Number

Primary APN	`160378-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,516 sqft Living Area
Gross Area	2,222 sqft
1st Floor Area	1,516 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,754 sqft (0.178 acres)
Lot Dimensions	100 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	369 sqft
Parking Spaces	1 Parking Space
Porch	Screened/Unfinished Porch
Porch Area	337 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4539 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 BEACON HILLS & HARBOR UNIT 1 LOT 9 BLK 2
Legal Range	28E
Legal Township	01S
Legal Section	29
Legal Subdivision	BEACON HILLS & HARBOR 01
Legal Block	2
Legal Lot Number	9
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	4539 BLUFF AVE, JACKSONVILLE, FL 32225-1434
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Jul 23, 2018	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2001 · Amount on Record
Deed Sale	Aug 9, 2001 · Amount on Record
Prior Sale	Dec 28, 1998 · Amount on Record
Deed Document Number	2001198416
Deed Book / Page	10103 / 2422
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	4539 BLUFF AVE, JACKSONVILLE, FL 32225-1434
Document Number	0191132030
Instrument Date	Feb 13, 2020
Transaction Type	Mortgage
Record Updated	Mar 6, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4539 BLUFF AVE JACKSONVILLE FL 322251434, JACKSONVILLE, FL 32225-1434

Mortgage

Document Number	0191132030
Date	Feb 24, 2020
Book Page	019113/002030
Instrument	42441

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Feb 23, 2040

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	4539 BLUFF AVE, JACKSONVILLE, FL 32225-1434
Document Number	0184770156
Instrument Date	Jul 23, 2018
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4539 BLUFF AVE JACKSONVILLE FL 322251434, JACKSONVILLE, FL 32225-1434

Mortgage

Document Number	0184770156
Date	Aug 1, 2018
Book Page	018477/000156
Instrument	180823

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Jul 31, 2038

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		$129,851 (+2.7%)	$243,157 (-3.59%) Land $115,931 Building $127,226
2025	$1,890.00 (+13.04%) Homeowner's exemption	$126,438 (+5.99%)	$252,212 (+8.07%) Land $100,000 Building $152,212
2024	$1,672.00 (+3.47%)
2023	$1,616.00 (+10.01%) Homeowner's exemption	$119,297 (+3%)	$233,372 (+11.09%) Land $85,000 Building $148,372
2022	$1,469.00 Homeowner's exemption	$115,823	$210,076 Land $80,000 Building $130,076

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.

Nearby Properties on Bluff Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures