Duval County property record for 486 20th St, Atlantic Beach, FL 32233
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,390 sqft · built 1986 |
| Lot Size | 0.326 acres (14,180 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $170,800 (Jul 1995) |
| Tax Bill | $3,960 (2025) |
| Deeds & Mortgages | Mar 2026 Second Mortgage Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 169506-1014 |
| Primary APN | 169506-1014 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,390 sqft Living Area |
| Gross Area | 3,150 sqft |
| 1st Floor Area | 2,246 sqft |
| Upper Floors Area | 144 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Combination |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 14,180 sqft (0.326 acres) |
| Lot Dimensions | 120 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 298 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 486 20TH ST |
|---|---|
| City | ATLANTIC BEACH |
| State | FL |
| Zip | 32233-4558 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ARS-1 |
| Legal Description | 39-94 08-2S-29E SELVA NORTE UNIT ONE LOT 7 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 08 |
| Legal Subdivision | SELVA NORTE UNIT 01 |
| Legal Block | 2 |
| Legal Lot Number | 7 |
| Legal Unit | 1 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 13905 |
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 | 486 20TH ST, ATLANTIC BEACH, FL 32233-4558 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 25, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU |
| Jul 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 26, 1995 · Amount on Record |
| Deed Sale | Jul 26, 1995 · Amount on Record |
| Deed Document Number | 1995141728 |
| Deed Book / Page | 8138 / 1679 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 486 20TH ST, ATLANTIC BEACH, FL 32233-4558 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 486 20TH ST, ATLANTIC BEACH, FL 32233-4558 |
| Document Number | 0218401286 |
|---|---|
| Date | Mar 25, 2026 |
| Book Page | 21840/1286 |
| Instrument | 2026069223 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 486 20TH ST, ATLANTIC BEACH, FL 32233-4558 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2021 |
| Name | Verified Name |
|---|---|
| Address | 486 20TH ST, ATLANTIC BEACH, FL 32233-4558 |
| Document Number | 0198371709 |
|---|---|
| Date | Jul 29, 2021 |
| Book Page | 19837/1709 |
| Instrument | 2021194495 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
Source: Duval County assessment roll, as of September 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| Municipality | Atlantic Beach City |
| County | Duval County |
| Unified School District | Duval County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $278,843 (+2.7%) | $921,684 (-2.5%) Land $651,208 Building $270,476 | |
| 2025 | $3,960.00 (+2.01%) Homeowner's exemption | $271,513 (+5.99%) | $945,300 (+37.78%) Land $650,000 Building $295,300 |
| 2024 | $3,882.00 (+2.97%) | ||
| 2023 | $3,770.00 (+8.21%) Homeowner's exemption | $256,177 (+3%) | $686,100 (+4.94%) Land $420,000 Building $266,100 |
| 2022 | $3,484.00 Homeowner's exemption | $248,716 | $653,830 Land $400,000 Building $253,830 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 182 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 182 in force |
| Nearby Flood Claims | 8 (1980–2015) |
| Claims Outside the SFHA | 7 of 8 |
| Most Recent Claim | Nov 2015 · rainfall accumulation |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ATLANTIC BEACH WATER SYSTEM serves 23,503 people · EPA ID FL2160200 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2023 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 342 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| IQ Fiber Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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