5609 Kellar Cir, Jacksonville, FL 32218 Property Records

Duval County property record for 5609 Kellar Cir, Jacksonville, FL 32218

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,737 sqft · built 2020
Lot Size	0.139 acres (6,054 sqft)
Owner	Individual Name on File
Last Sale	$223,500 (Aug 2020)
Tax Bill	$3,599 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`020041-6635`

Property Details

APN / Parcel Number

Primary APN	`020041-6635`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,737 sqft Living Area
Gross Area	2,423 sqft
1st Floor Area	1,737 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,054 sqft (0.139 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Finished/Open Porch
Porch Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5609 KELLAR CIR
City	JACKSONVILLE
State	FL
Zip	32218-4239
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	71-136 07-1S-26E OSPREY LANDING UNIT FOUR LOT 49
Legal Range	26E
Legal Township	01S
Legal Section	07
Legal Subdivision	OSPREY LANDING UNIT FOUR
Legal Lot Number	49
Legal Unit	4
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE NORTH
Census Block Group	1
Census Block	1000
Census Tract	10502

Owner

5609 Kellar Cir is owned and occupied by an individual who bought it in August 2020.

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

Owner of Record	Individual Name on File
Mailing Address	5609 KELLAR CIR, JACKSONVILLE, FL 32218-4239
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

Date	Document
Jan 5, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 12, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 29, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 18, 2020	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2020 · Amount on File
Deed Sale	Aug 18, 2020 · Amount on File
Deed Document Number	2020179458
Deed Book / Page	19333 / 370
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	5609 KELLAR CIR, JACKSONVILLE, FL 32218-4239
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5609 KELLAR CIR, JACKSONVILLE, FL 32218-4239

Mortgage

Document Number	0205450079
Date	Jan 5, 2023
Book Page	20545/79
Instrument	2023002231

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2052

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	5609 KELLAR CIR, JACKSONVILLE, FL 32218-4239
Transaction Type	Mortgage
Record Updated	Dec 1, 2025
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5609 KELLAR CIR, JACKSONVILLE, FL 32218-4239

Mortgage

Document Number	0199531384
Date	Oct 12, 2021
Book Page	19953/1384
Instrument	2021267191

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	348 Months
Due	Oct 1, 2050

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	5609 KELLAR CIR, JACKSONVILLE, FL 32218-4239
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5609 KELLAR CIR, JACKSONVILLE, FL 32218-4239

Mortgage

Document Number	0214490532
Date	Apr 29, 2025
Book Page	21449/532
Instrument	2025100218

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Apr 1, 2065

August 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Aug 18, 2020
Property Address	5609 KELLAR CIR, JACKSONVILLE, FL 32218-4239
Document Number	0193330370
Book / Page	19333 / 370
Map Reference	MB 71 PG 136
Instrument Date	Aug 14, 2020
Instrument	2020179458
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 22, 2021
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,564.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9440 PHILIPS HWY STE 7, 9440, JACKSONVILLE, FL 32256-1339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5609 KELLAR CIR, JACKSONVILLE, FL 32218-4239

Mortgage

Document Number	0193330374
Date	Aug 18, 2020
Book Page	19333/374
Instrument	2020179459

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company
Address	MIAMI, FL 33172

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5609 Kellar Cir was $3,599 with a homeowner's exemption, up 7.6% from the year before.

Source: Duval County assessment roll, as of September 25, 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		$228,810 (+2.7%)	$246,411 (-1.7%) Land $55,000 Building $191,411
2025	$3,599.00 (+7.59%) Homeowner's exemption	$222,795	$250,672 Land $55,000 Building $195,672
2024	$3,345.00 (+2.95%)
2023	$3,249.00 (+9.28%) Homeowner's exemption	$210,211 (+3%)	$263,204 (+11.57%) Land $57,500 Building $205,704
2022	$2,973.00 Homeowner's exemption	$204,089	$235,917 Land $40,000 Building $195,917

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

Flood

FEMA maps place 5609 Kellar Cir in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2017.

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 29 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	3 (2017–2022)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Nov 2022 · Hurricane Nicole

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

Wildfire risk around 5609 Kellar Cir is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 274 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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