Duval County property record for 522 Clipper Ship Ln, Atlantic Beach, FL 32233
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,706 sqft · built 1981 |
| Lot Size | 0.199 acres (8,668 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $700,000 (Aug 2023) |
| Tax Bill | $9,959 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Aug 2023 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 170703-0228 |
| Primary APN | 170703-0228 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,706 sqft Living Area |
| Gross Area | 2,204 sqft |
| 1st Floor Area | 1,706 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,668 sqft (0.199 acres) |
| Lot Dimensions | 120 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 452 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Unfinished Open Porch |
| Porch Area | 38 sqft |
| Patio Area | 275 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 522 CLIPPER SHIP LN |
|---|---|
| City | ATLANTIC BEACH |
| State | FL |
| Zip | 32233-4113 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ARS-2 |
| Legal Description | 35-64 17-2S-29E SEASPRAY LOT 14 BLK 1 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 17 |
| Legal Subdivision | SEASPRAY |
| Legal Block | 1 |
| Legal Lot Number | 14 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 13906 |
522 Clipper Ship Ln is owned and occupied by two individuals who bought it in August 2023.
Source: Duval County records, as of September 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 522 CLIPPER SHIP LN, ATLANTIC BEACH, FL 32233-4113 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 12, 2022 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Aug 14, 2023 | Warranty Deed, Transfer · VA Mortgage USAA FSB |
| Aug 17, 2017 | Deed of Trust, Mortgage · Line of Credit FIRSTATLANTIC BANK |
| Jun 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TIAA FSB |
| Jun 27, 2018 | Warranty Deed, Transfer · Conventional Mortgage TIAA FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2023 · Amount on File |
| Deed Sale | Aug 14, 2023 · Amount on File |
| Prior Sale | Jun 27, 2018 · Amount on File |
| Deed Document Number | 2023169569 |
| Deed Book / Page | 20780 / 90 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 522 CLIPPER SHIP LN, ATLANTIC BEACH, FL 32233-4113 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 522 CLIPPER SHIP LN, ATLANTIC BCH, FL 32233-4113 |
| Document Number | 0204622144 |
|---|---|
| Date | Oct 12, 2022 |
| Book Page | 20462/2144 |
| Instrument | 2022257905 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Nov 1, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Aug 14, 2023 |
| Property Address | 522 CLIPPER SHIP LN, ATLANTIC BEACH, FL 32233-4113 |
| Document Number | 0207800090 |
| Book / Page | 20780 / 90 |
| Map Reference | MB 35 PG 64 |
| Instrument Date | Aug 14, 2022 |
| Instrument | 2023169569 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2023 |
| Title Company | ATLANTIC EAST TITLE, ATLANTIC COAST T&E |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,900.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 901 OCEAN BLVD APT 46, 46, ATLANTIC BEACH, FL 32233-5455 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 522 CLIPPER SHIP LN, ATLANTIC BEACH, FL 32233-4113 |
| Document Number | 0002078092 |
|---|---|
| Date | Aug 14, 2023 |
| Instrument | 20780/92 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 522 CLIPPER SHIP LN, ATLANTIC BEACH, FL 32233-4113 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0180930085 |
|---|---|
| Date | Aug 17, 2017 |
| Book Page | 18093/0085 |
| Instrument | 2017193664 |
| Name | FIRSTATLANTIC BANK |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32207 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Jul 27, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 522 CLIPPER SHIP LN, ATLANTIC BEACH, FL 32233-4113 |
| Document Number | 0192402279 |
| Instrument Date | Jun 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 522 CLIPPER SHIP LN ATLANTIC BEACH FL 322334113, ATLANTIC BEACH, FL 32233-4113 |
| Document Number | 0192402279 |
|---|---|
| Date | Jun 15, 2020 |
| Book Page | 019240/002279 |
| Instrument | 120476 |
| Name | TIAA FSB |
|---|---|
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 14, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Jun 27, 2018 |
| Property Address | 522 CLIPPER SHIP LN, ATLANTIC BEACH, FL 32233-4113 |
| Document Number | 0184350813 |
| Book / Page | 018435 / 000813 |
| Instrument Date | Jun 25, 2018 |
| Instrument | 150538 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2018 |
| Title Company | AMERICAS CHOICE TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,744.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 522 CLIPPER SHIP LN JACKSONVILLE FL 322334113, JACKSONVILLE, FL 32233-4113 |
| Document Number | 184350815 |
|---|---|
| Date | Jun 27, 2018 |
| Book Page | 018435/000815 |
| Instrument | 150539 |
| Name | TIAA FSB |
|---|---|
| Address | JACKSONVILLE, FL 32246 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 26, 2048 |
The 2025 property tax bill for 522 Clipper Ship Ln was $9,959 with a homeowner's exemption, down 1.4% from the year before.
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 | $617,149 (-0.5%) Land $374,868 Building $242,281 | $617,149 (-0.5%) Land $374,868 Building $242,281 | |
| 2025 | $9,959.00 (-1.4%) Homeowner's exemption | $620,245 Land $360,000 Building $260,245 | $620,245 Land $360,000 Building $260,245 |
| 2024 | $10,100.00 (+77.35%) | ||
| 2023 | $5,695.00 (+7.82%) Homeowner's exemption | $366,170 (+3%) | $538,522 (+24.66%) Land $350,000 Building $188,522 |
| 2022 | $5,282.00 Homeowner's exemption | $355,505 | $431,988 Land $240,000 Building $191,988 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 522 Clipper Ship Ln in Zone X, an area of minimal flood risk, though there have been 35 flood claims nearby since 1979.
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 File median of 289 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 289 in force |
| Nearby Flood Claims | 35 (1979–2024) |
| Claims Outside the SFHA | 32 of 35 |
| Most Recent Claim | Sep 2024 · rainfall accumulation |
| Claims by Event |
|
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 risk around 522 Clipper Ship Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 561 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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