Duval County property record for 524 Penman Rd, Jacksonville, FL 32250
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,845 sqft · built 1973 |
| Lot Size | 0.215 acres (9,375 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,000 (Dec 2018) |
| Tax Bill | $5,833 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Dec 2023 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 177954-0000 |
| Primary APN | 177954-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,845 sqft Living Area |
| Gross Area | 2,323 sqft |
| 1st Floor Area | 1,262 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 9,375 sqft (0.215 acres) |
| Lot Dimensions | 125 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 338 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 1 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 370 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 524 PENMAN RD |
|---|---|
| City | JACKSONVILLE BEACH |
| State | FL |
| Zip | 32250-2719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | JRS-1 |
| Legal Description | 19-44 38-2S-29E PINE GROVE UNIT 4 S/D LOT 4 BLK 5 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 38 |
| Legal Subdivision | PINE GROVE UNIT 04 |
| Legal Block | 5 |
| Legal Lot Number | 4 |
| Legal Unit | 4 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 14101 |
524 Penman Rd is owned and occupied by two individuals who acquired it in October 2021.
Source: Duval County records, as of September 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 524 PENMAN RD, JACKSONVILLE BEACH, FL 32250-2719 |
| 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 |
|---|---|
| Jul 9, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING |
| Dec 15, 2023 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| Nov 17, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage BROKER SOLUTIONS INC |
| Jul 31, 2018 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Jan 18, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST MERCHANTS BANK |
| Dec 10, 2018 | Warranty Deed, Transfer · Conventional Mortgage FIRST MERCHANTS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 10, 2018 · Amount on File |
| Deed Sale | Dec 10, 2018 · Amount on File |
| Prior Sale | Sep 30, 2016 · Amount on File |
| Deed Document Number | 2018288895 |
| Deed Book / Page | 18624 / 525 |
| Last Transfer Date | Oct 7, 2021 |
| Transfer Doc | 0200180465 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Jul 9, 2026 |
| Property Address | 524 PENMAN RD, JACKSONVILLE BEACH, FL 32250-2719 |
| Document Number | 0000158662 |
| Book / Page | 21972 / 282 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 2026158662 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU |
| Name | Verified Name |
|---|---|
| Address | 524 PENMAN RD, JACKSONVILLE BEACH, FL 32250-2719 |
| Document Number | 0000158662, |
|---|---|
| Date | Jul 9, 2026 |
| Book Page | 21972/282 |
| Instrument | 2026158662 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 524 PENMAN RD, JACKSONVILLE BEACH, FL 32250-2719 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2023 |
| Name | Verified Name |
|---|---|
| Address | 524 PENMAN RD, JACKSONVILLE, FL 32250-2719 |
| Document Number | 0208971701 |
|---|---|
| Date | Dec 15, 2023 |
| Book Page | 20897/1701 |
| Instrument | 2023256168 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Nov 17, 2021 |
| Property Address | 524 PENMAN RD, JACKSONVILLE BEACH, FL 32250-2719 |
| Document Number | 0200180465 |
| Book / Page | 20018 / 465 |
| Map Reference | MB 19 PG 44&44A |
| Instrument Date | Oct 7, 2021 |
| Instrument | 2021305987 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 524 PENMAN RD, JACKSONVILLE, FL 32250-2719 |
| Document Number | 20018468 |
|---|---|
| Date | Nov 17, 2021 |
| Instrument | 20018/468 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 524 PENMAN RD, JACKSONVILLE BEACH, FL 32250-2719 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0184750258 |
|---|---|
| Date | Jul 31, 2018 |
| Book Page | 18475/0258 |
| Instrument | 2018179394 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 524 PENMAN RD, JACKSONVILLE BEACH, FL 32250-2719 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0186631261 |
|---|---|
| Date | Jan 18, 2019 |
| Book Page | 18663/1261 |
| Instrument | 2019014608 |
| Name | FIRST MERCHANTS BANK |
|---|---|
| Type | Bank |
| Address | MUNCIE, IN 47305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Dec 10, 2018 |
| Property Address | 524 PENMAN RD, JACKSONVILLE BEACH, FL 32250-2719 |
| Document Number | 0186240525 |
| Book / Page | 18624 / 0525 |
| Map Reference | MB 19 PG 44&44A |
| Instrument Date | Dec 3, 2018 |
| Instrument | 2018288895 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | RIVER CITY TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,170.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8074 GATE PKWY W # W4124, 8074, JACKSONVILLE, FL 32216-1616 |
| Name | Verified Name |
|---|---|
| Address | 524 PENMAN RD, JACKSONVILLE BEACH, FL 32250-2719 |
| Document Number | 2018288896 |
|---|---|
| Date | Dec 10, 2018 |
| Instrument | 2018288896 |
| Name | FIRST MERCHANTS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2048 |
The 2025 property tax bill for 524 Penman Rd was $5,833 with a homeowner's exemption, up 2.5% from the year before.
Source: Duval County assessment roll, as of September 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Duval County |
| Municipality | Jacksonville Beach City |
| Unified School District | Duval County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $367,803 (+2.7%) | $573,002 (+5.03%) Land $236,355 Building $336,647 | |
| 2025 | $5,833.00 (+2.48%) Homeowner's exemption | $358,134 | $545,586 Land $222,615 Building $322,971 |
| 2024 | $5,692.00 (+2.87%) | ||
| 2023 | $5,533.00 (+41.47%) Homeowner's exemption | $337,904 (+28.56%) | $441,946 (+35.84%) Land $229,162 Building $212,784 |
| 2022 | $3,911.00 Homeowner's exemption | $262,844 | $325,342 Land $212,794 Building $112,548 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 524 Penman Rd in Zone X, an area of minimal flood risk, though there have been 49 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 189 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 189 in force |
| Nearby Flood Claims | 49 (1979–2022) |
| Claims Outside the SFHA | 34 of 49 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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.
The area around 524 Penman Rd 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | JACKSONVILLE BEACH WTP serves 23,352 people · EPA ID FL2160563 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 1 ppb (2025) 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 447 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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