495 Aquatic Dr, Atlantic Beach, FL 32233 Property Records

Duval County property record for 495 Aquatic Dr, Atlantic Beach, FL 32233

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,328 sqft · built 1986
Lot Size	0.07 acres (3,050 sqft)
Owner	Individual Name on File
Last Sale	$90,900 (Jun 2003)
Tax Bill	$902 (2025)
Deeds & Mortgages	Mar 2024 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`171818-5310`

Property Details

APN / Parcel Number

Primary APN	`171818-5310`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,328 sqft Living Area
Gross Area	1,452 sqft
1st Floor Area	968 sqft
Upper Floors Area	360 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Townhouse
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	3,050 sqft (0.07 acres)
Porch	Enclosed/Unfinished Porch
Porch Area	112 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	495 AQUATIC DR
City	ATLANTIC BEACH
State	FL
Zip	32233-3837
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ARG-M
Legal Description	38-71 17-2S-29E AQUATIC GARDENS LOT 25-C
Legal Range	29E
Legal Township	02S
Legal Section	17
Legal Subdivision	AQUATIC GARDENS
Legal Block	2
Legal Lot Number	25-C
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE BEACHES
Census Block Group	2
Census Block	2004
Census Tract	13902

Owner

495 Aquatic Dr is owned and occupied by an individual who bought it in June 2003.

Source: Duval County records, as of September 25, 2026

Owner of Record	Individual Name on File
Mailing Address	495 AQUATIC DR, ATLANTIC BEACH, FL 32233-3837
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2003 · Amount on File
Deed Sale	Jun 24, 2003 · Amount on File
Prior Sale	Aug 17, 1995 · Amount on File
Deed Document Number	2003201595
Deed Book / Page	11171 / 650
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	495 AQUATIC DR, ATLANTIC BEACH, FL 32233-3837
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 AQUATIC DR, ATLANTIC BEACH, FL 32233-3837

Mortgage

Document Number	0209891362
Date	Mar 26, 2024
Book Page	20989/1362
Instrument	2024059262

Lender

Name	RADIANT CU
Type	Credit Union
Address	GAINESVILLE, FL 32606

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 495 Aquatic Dr was $902 with a homeowner's exemption, up 3.3% from the year before.

Source: Duval County assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	Florida
Municipality	Atlantic Beach City
County	Duval County
Unified School District	Duval County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$96,224 (+2.7%)	$347,154 (-3.04%) Land $201,494 Building $145,660
2025	$902.00 (+3.32%) Homeowner's exemption	$93,695	$358,049 Land $200,000 Building $158,049
2024	$873.00 (+4.8%)
2023	$833.00 (+12.57%) Homeowner's exemption	$88,403 (+3%)	$303,244 (+24.54%) Land $160,000 Building $143,244
2022	$740.00 Homeowner's exemption	$85,829	$243,500 Land $110,000 Building $133,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 495 Aquatic Dr in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 110 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	110 in force
Nearby Flood Claims	28 (1993–2024)
Claims Outside the SFHA	13 of 28
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Matthew, Oct 2016 · 3 claims

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

The area around 495 Aquatic Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 534 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 · Fixed Wireless · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20