617 Reflection Cove Rd, Jacksonville, FL 32218 Property Records

Duval County property record for 617 Reflection Cove Rd, Jacksonville, FL 32218

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,402 sqft · built 2006
Lot Size	0.164 acres (7,151 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Jul 2023)
Tax Bill	$5,179 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jan 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`106606-6885`

Property Details

APN / Parcel Number

Primary APN	`106606-6885`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,402 sqft Living Area
Gross Area	3,097 sqft
1st Floor Area	2,402 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,151 sqft (0.164 acres)
Lot Dimensions	110 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	412 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	283 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	617 REFLECTION COVE RD
City	JACKSONVILLE
State	FL
Zip	32218-8936
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 68
Legal Range	27E
Legal Township	01N
Legal Section	37
Legal Subdivision	NORTH CREEK UNIT THREE A
Legal Block	3
Legal Lot Number	68
Legal Unit	3A
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE NORTH
Census Block Group	3
Census Block	3019
Census Tract	10101

Owner

617 Reflection Cove Rd is owned and occupied by two individuals who bought it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	617 REFLECTION COVE RD, JACKSONVILLE, FL 32218-8936
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
Jul 13, 2023	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY FIRST CREDIT UNION OF FLO
Jan 7, 2019	Grant Deed, Transfer · VA Mortgage NAVY FCU
Jul 10, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2023 · Amount on File
Deed Sale	Jul 13, 2023 · Amount on File
Prior Sale	Jan 7, 2019 · Amount on File
Deed Document Number	2023142712
Deed Book / Page	20742 / 1131
Prior Transfer Date	Jul 9, 2018
Prior Transfer Doc	0184501122
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Jul 13, 2023
Property Address	617 REFLECTION COVE RD, JACKSONVILLE, FL 32218-8936
Document Number	0207421131
Book / Page	20742 / 1131
Map Reference	MB 56 PG 62
Instrument Date	Jul 7, 2023
Instrument	2023142712
Transaction Type	Transfer
Record Updated	Jul 26, 2023
Title Company	NORTH FLORIDA TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1630 MOUNT HIGH ST, WOODBRIDGE, VA 22192-2422

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7595 BAYMEADOWS CIR W, JACKSONVILLE, FL 32256-1879

Mortgage

Document Number	0207421133
Date	Jul 13, 2023
Instrument	20742/1133

Lender

Name	COMMUNITY FIRST CREDIT UNION OF FLO
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Aug 1, 2033
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	8.25%
Max Rate	11.2%

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DUVAL FL
Recording Date	Jan 7, 2019
Property Address	617 REFLECTION COVE RD, JACKSONVILLE, FL 32218-8936
Document Number	0186491628
Book / Page	018649 / 001628
Instrument Date	Dec 21, 2018
Instrument	3691
Transaction Type	Transfer
Record Updated	Feb 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,739.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	617 REFLECTION COVE RD JACKSONVILLE FL 322188936, JACKSONVILLE, FL 32218-8936

Mortgage

Document Number	186491631
Date	Jan 7, 2019
Book Page	018649/001631
Instrument	3692

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 6, 2049

July 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	DUVAL FL
Recording Date	Jul 10, 2018
Property Address	617 REFLECTION COVE RD, JACKSONVILLE, FL 32218-8936
Document Number	0184501122
Book / Page	018450 / 001122
Instrument Date	Jun 28, 2018
Instrument	161139
Transaction Type	Foreclosure
Record Updated	Aug 17, 2018

Transaction

Amount	Amount on Record
Tax	$1,290.10
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2015 MANHATTAN BEACH BLVD #100 REDONDO BEACH CA 902781230, 100, REDONDO BEACH, CA 90278-1230
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 617 Reflection Cove Rd was $5,179 with a homeowner's exemption, down 1.5% 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		$320,831 (+2.56%) Land $82,022 Building $238,809	$320,831 (+2.56%) Land $82,022 Building $238,809
2025	$5,179.00 (-1.54%) Homeowner's exemption	$312,832 Land $80,000 Building $232,832	$312,832 Land $80,000 Building $232,832
2024	$5,260.00 (+62.8%)
2023	$3,231.00 (-3.44%) Homeowner's exemption Veteran's exemption Widower's exemption	$239,012 (+3%)	$320,441 (+15.32%) Land $75,000 Building $245,441
2022	$3,346.00 Homeowner's exemption Veteran's exemption	$232,051	$277,869 Land $55,000 Building $222,869

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

Flood

FEMA maps place 617 Reflection Cove Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

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 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 617 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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