5646 Kellar Cir, Jacksonville, FL 32218 Property Records

Duval County property record for 5646 Kellar Cir, Jacksonville, FL 32218

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,737 sqft · built 2020
Lot Size	0.141 acres (6,142 sqft)
Owner	Individual Name on Record
Last Sale	$226,500 (Jul 2020)
Tax Bill	$3,615 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`020041-6980`

Property Details

APN / Parcel Number

Primary APN	`020041-6980`

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	6,142 sqft (0.141 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Finished Screened 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	5646 KELLAR CIR
City	JACKSONVILLE
State	FL
Zip	32218-4238
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 169
Legal Range	25E
Legal Township	01S
Legal Section	07
Legal Subdivision	OSPREY LANDING UNIT FOUR
Legal Lot Number	169
Legal Unit	4
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE NORTH
Census Block Group	1
Census Block	1000
Census Tract	10502

Owner

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	Individual Name on Record
Mailing Address	5646 KELLAR CIR, JACKSONVILLE, FL 32218-4238
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 21, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 4, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 18, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 13, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 31, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 28, 2020	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2020 · Amount on Record
Deed Sale	Jul 28, 2020 · Amount on Record
Deed Document Number	2020160222
Deed Book / Page	19301 / 603
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	5646 KELLAR CIR, JACKSONVILLE, FL 32218-4238
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0196881767
Date	Apr 21, 2021
Book Page	19688/1767
Instrument	2021101705

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Sep 1, 2050

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	5646 KELLAR CIR, JACKSONVILLE, FL 32218-4238
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5646 KELLAR CIR, JACKSONVILLE, FL 32218-4238

Mortgage

Document Number	0204412268
Date	Sep 21, 2022
Book Page	20441/2268
Instrument	2022242943

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Sep 1, 2050

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	5646 KELLAR CIR, JACKSONVILLE, FL 32218-4238
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5646 KELLAR CIR, JACKSONVILLE, FL 32218-4238

Mortgage

Document Number	0208291754
Date	Oct 4, 2023
Book Page	20829/1754
Instrument	2023204885

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	323 Months
Due	Sep 1, 2050

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	5646 KELLAR CIR, JACKSONVILLE, FL 32218-4238
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5646 KELLAR CIR, JACKSONVILLE, FL 32218-4238

Mortgage

Document Number	0209242225
Date	Jan 18, 2024
Book Page	20924/2225
Instrument	2024010572

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Feb 1, 2050

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	5646 KELLAR CIR, JACKSONVILLE, FL 32218-4238
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5646 KELLAR CIR, JACKSONVILLE, FL 32218-4238

Mortgage

Document Number	0212591745
Date	Nov 13, 2024
Book Page	21259/1745
Instrument	2024247007

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	310 Months
Due	Sep 1, 2050

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	5646 KELLAR CIR, JACKSONVILLE, FL 32218-4238
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5646 KELLAR CIR, JACKSONVILLE, FL 32218-4238

Mortgage

Document Number	0218461657
Date	Mar 31, 2026
Book Page	21846/1657
Instrument	2026073534

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CORAOPOLIS, PA 15108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	294 Months
Due	Sep 1, 2050

July 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Jul 28, 2020
Property Address	5646 KELLAR CIR, JACKSONVILLE, FL 32218-4238
Document Number	0193010603
Book / Page	19301 / 603
Map Reference	MB 71 PG 136
Instrument Date	Jul 14, 2020
Instrument	2020160222
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 22, 2021
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,585.50
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	5646 KELLAR CIR, JACKSONVILLE, FL 32218-4238

Mortgage

Document Number	0019301607
Date	Jul 28, 2020
Instrument	19301/607

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

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		$229,709 (+2.7%)	$247,352 (-1.7%) Land $55,000 Building $192,352
2025	$3,615.00 (+7.59%) Homeowner's exemption	$223,670 (+5.99%)	$251,635 (-4.76%) Land $55,000 Building $196,635
2024	$3,360.00 (+2.94%)
2023	$3,264.00 (+9.31%) Homeowner's exemption	$211,036 (+3%)	$264,215 (+11.54%) Land $57,500 Building $206,715
2022	$2,986.00 Homeowner's exemption	$204,890	$236,880 Land $40,000 Building $196,880

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

Flood

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 Record 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

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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