4659 Bluff Ave, Jacksonville, FL 32225 Property Records

Duval County property record for 4659 Bluff Ave, Jacksonville, FL 32225

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,386 sqft · built 1960
Lot Size	0.267 acres (11,630 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,500 (Feb 2025)
Tax Bill	$3,508 (2025)
Deeds & Mortgages	Mar 2023 Second Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`160370-0000`

Property Details

APN / Parcel Number

Primary APN	`160370-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,386 sqft Living Area
Gross Area	2,800 sqft
1st Floor Area	1,104 sqft
Upper Floors Area	754 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1970
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,630 sqft (0.267 acres)
Lot Dimensions	100 ft deep x 120 ft wide
Garage Type	Carport
Garage Area	225 sqft
Carport	Carport
Carport Area	225 sqft
Parking Spaces	1 Parking Space
Deck Area	300 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	4659 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 29-1S-28E BEACON HILLS & HARBOR UNIT 1 LOT 1 BLK 2
Legal Range	28E
Legal Township	01S
Legal Section	29
Legal Subdivision	BEACON HILLS & HARBOR 01
Legal Block	2
Legal Lot Number	1
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 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	4659 BLUFF AVE, JACKSONVILLE, FL 32225-1409
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Nov 3, 2021	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Nov 19, 2019	Warranty Deed, Transfer · FHA Mortgage SUNTRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2025 · Amount on Record
Deed Sale	Feb 20, 2025 · Amount on Record
Prior Sale	Nov 19, 2019
Deed Document Number	202542719
Deed Book / Page	21368 / 1748
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	4659 BLUFF AVE, JACKSONVILLE, FL 32225-1409
Transaction Type	Mortgage
Record Updated	Apr 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4659 BLUFF AVE, JACKSONVILLE, FL 32225-1409

Mortgage

Document Number	0206232052
Date	Mar 27, 2023
Book Page	20623/2052
Instrument	2023058788

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	4659 BLUFF AVE, JACKSONVILLE, FL 32225-1409
Transaction Type	Mortgage
Record Updated	Nov 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4659 BLUFF AVE, JACKSONVILLE, FL 32225-1409

Mortgage

Document Number	0199930051
Date	Nov 3, 2021
Book Page	19993/51
Instrument	2021291447

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Nov 19, 2019
Property Address	4659 BLUFF AVE, JACKSONVILLE, FL 32225-1409
Document Number	0190090141
Book / Page	19009 / 0141
Map Reference	MB 30 PG 15&15A
Instrument Date	Nov 8, 2019
Instrument	2019266570
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	GUARDIAN TITLE & TRUST INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4659 BLUFF AVE, JACKSONVILLE, FL 32225-1409

Mortgage

Document Number	0190090145
Date	Nov 19, 2019
Instrument	19009/0145

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

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		$239,900 (+10.21%)	$321,206 (+2.02%) Land $105,363 Building $215,843
2025	$3,508.00 (+7.74%) Homeowner's exemption	$217,666 (+5.99%)	$314,837 (+6.52%) Land $100,000 Building $214,837
2024	$3,256.00 (+2.97%)
2023	$3,162.00 (+9.3%) Homeowner's exemption	$205,371 (+3%)	$295,562 (+11.54%) Land $85,000 Building $210,562
2022	$2,893.00 Homeowner's exemption	$199,390	$264,992 Land $80,000 Building $184,992

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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