4631 Bluff Ave, Jacksonville, FL 32225 Property Records

Duval County property record for 4631 Bluff Ave, Jacksonville, FL 32225

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,922 sqft · built 1962
Lot Size	0.177 acres (7,726 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Sep 2021)
Tax Bill	$4,530 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`160373-0000`

Property Details

APN / Parcel Number

Primary APN	`160373-0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,922 sqft Living Area
Gross Area	2,358 sqft
1st Floor Area	1,202 sqft
Upper Floors Area	720 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,726 sqft (0.177 acres)
Lot Dimensions	100 ft deep x 80 ft wide
Garage Type	Carport
Garage Area	228 sqft
Carport	Carport
Carport Area	228 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	88 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4631 BLUFF AVE
City	JACKSONVILLE
State	FL
Zip	32225-1409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RLD-70
Legal Description	30-15 BEACON HILLS & HARBOR UNIT 1 LOT 4 BLK 2
Legal Range	28E
Legal Township	01S
Legal Section	29
Legal Subdivision	BEACON HILLS & HARBOR 01
Legal Block	2
Legal Lot Number	4
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	Individual Name on Record
Mailing Address	4631 BLUFF AVE, JACKSONVILLE, FL 32225-1409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2024	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Sep 14, 2021	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
May 22, 2020	Warranty Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2021 · Amount on Record
Deed Sale	Sep 14, 2021 · Amount on Record
Prior Sale	May 22, 2020 · Amount on Record
Deed Document Number	2021239848
Deed Book / Page	19910 / 611
Prior Transfer Date	Sep 2, 2021
Prior Transfer Doc	0199100611
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	4631 BLUFF AVE, JACKSONVILLE, FL 32225-1409
Transaction Type	Mortgage
Record Updated	Feb 28, 2024
Title Company	TIMIOS INC, TIMIOS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4631 BLUFF AVE, JACKSONVILLE, FL 32225-1409

Mortgage

Document Number	0209450639
Date	Feb 7, 2024
Book Page	20945/639
Instrument	2024026154

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	332 Months
Due	Oct 1, 2051

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Sep 14, 2021
Property Address	4631 BLUFF AVE, JACKSONVILLE, FL 32225-1409
Document Number	0199100611
Book / Page	19910 / 611
Map Reference	MB 30 PG 15&15A
Instrument Date	Sep 2, 2021
Instrument	2021239848
Transaction Type	Transfer
Record Updated	Oct 4, 2021
Title Company	ATTORNEYS TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	280 DOW CT, 280, GREEN COVE SPRINGS, FL 32043-9521

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4631 BLUFF AVE, JACKSONVILLE, FL 32225-1409

Mortgage

Document Number	19910613
Date	Sep 14, 2021
Instrument	19910/613

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

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

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	May 22, 2020
Property Address	4631 BLUFF AVE, JACKSONVILLE, FL 32225-1409
Document Number	0192140197
Book / Page	19214 / 197
Map Reference	MB 30 PG 15&15A
Instrument Date	Apr 1, 2020
Instrument	2020104602
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	TITLE AMERICA RE CLOSINGS IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3505 TROUT RIVER BLVD, 3505, JACKSONVILLE, FL 32208-1312

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4631 BLUFF AVE, JACKSONVILLE, FL 32225-1409

Mortgage

Document Number	0019214199
Date	May 22, 2020
Instrument	19214/199

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

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		$282,671 (+2.7%)	$292,666 (-3.15%) Land $115,000 Building $177,666
2025	$4,530.00 (+6.46%) Homeowner's exemption	$275,240 (+5.99%)	$302,194 (+7.33%) Land $100,000 Building $202,194
2024	$4,255.00 (+2.85%)
2023	$4,137.00 (+9.13%) Homeowner's exemption	$259,693 (+3%)	$281,554 (+11.67%) Land $85,000 Building $196,554
2022	$3,791.00 Homeowner's exemption	$252,130 Land $80,000 Building $172,130	$252,130 Land $80,000 Building $172,130

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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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