604 Reflection Cove Rd, Jacksonville, FL 32218 Property Records

Duval County property record for 604 Reflection Cove Rd, Jacksonville, FL 32218

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,795 sqft · built 2006
Lot Size	0.164 acres (7,150 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Jul 2022)
Tax Bill	$4,498 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`106606-6915`

Property Details

APN / Parcel Number

Primary APN	`106606-6915`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,795 sqft Living Area
Gross Area	2,644 sqft
1st Floor Area	1,795 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,150 sqft (0.164 acres)
Lot Dimensions	110 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	429 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	604 REFLECTION COVE RD
City	JACKSONVILLE
State	FL
Zip	32218-8933
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	56-62 37-1N-27E .16 NORTH CREEK UNIT 3A LOT 74
Legal Range	27E
Legal Township	01N
Legal Section	37
Legal Subdivision	NORTH CREEK UNIT THREE A
Legal Lot Number	74
Legal Unit	3A
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE NORTH
Census Block Group	3
Census Block	3019
Census Tract	10101

Owner

604 Reflection Cove Rd is owned and occupied by two individuals who bought it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	604 REFLECTION COVE RD, JACKSONVILLE, FL 32218-8933
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 16, 2024	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
Jul 26, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jan 20, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2022 · Amount on File
Deed Sale	Jul 26, 2022 · Amount on File
Prior Sale	Aug 23, 2018 · Amount on File
Deed Document Number	2022195730
Deed Book / Page	20375 / 207
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	604 REFLECTION COVE RD, JACKSONVILLE, FL 32218-8933
Transaction Type	Mortgage
Record Updated	Feb 8, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 REFLECTION COVE RD, JACKSONVILLE, FL 32218-8933

Mortgage

Document Number	0209220160
Date	Jan 16, 2024
Book Page	20922/160
Instrument	2024008449

Lender

Name	M & T BANK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	343 Months
Due	Aug 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Jul 26, 2022
Property Address	604 REFLECTION COVE RD, JACKSONVILLE, FL 32218-8933
Document Number	0203750207
Book / Page	20375 / 207
Map Reference	MB 56 PG 62
Instrument Date	Jul 26, 2022
Instrument	2022195730
Transaction Type	Transfer
Record Updated	Aug 4, 2022
Title Company	ATLANTIC EAST TITLE, ATLANTIC COAST T&E

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	604 REFLECTION COVE RD, 604, JACKSONVILLE, FL 32218-8933

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 REFLECTION COVE RD, JACKSONVILLE, FL 32218-8933

Mortgage

Document Number	0020375209
Date	Jul 26, 2022
Instrument	20375/209

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	604 REFLECTION COVE RD, JACKSONVILLE, FL 32218-8933
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0195450876
Date	Jan 20, 2021
Book Page	19545/876
Instrument	2021015798

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 604 Reflection Cove Rd was $4,498 with a homeowner's exemption, down 0.9% 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		$280,446 (+2.18%) Land $82,022 Building $198,424	$280,446 (+2.18%) Land $82,022 Building $198,424
2025	$4,498.00 (-0.9%) Homeowner's exemption	$274,454 Land $80,000 Building $194,454	$274,454 Land $80,000 Building $194,454
2024	$4,539.00 (+1.23%)
2023	$4,484.00 (+13.58%) Homeowner's exemption	$279,995 (+17.74%) Land $75,000 Building $204,995	$279,995 (+17.74%) Land $75,000 Building $204,995
2022	$3,948.00	$237,808 Land $55,000 Building $182,808	$237,808 Land $55,000 Building $182,808

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

Flood

FEMA maps place 604 Reflection Cove Rd in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 49 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	49 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2021 · other causes

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 604 Reflection Cove Rd is moderate, ranking above 44% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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