Duval County property record for 622 Cherry St, Neptune Beach, FL 32266
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,984 sqft · built 1993 |
| Lot Size | 0.281 acres (12,245 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $975,000 (Sep 2024) |
| Tax Bill | $12,353 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 172403-2225 |
| Primary APN | 172403-2225 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,984 sqft Living Area |
| Gross Area | 2,438 sqft |
| 1st Floor Area | 1,984 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 12,245 sqft (0.281 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 354 sqft |
| Patio Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 622 CHERRY ST |
|---|---|
| City | NEPTUNE BEACH |
| State | FL |
| Zip | 32266-6219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR-2 |
| Legal Description | 46-78 20-2S-29E NEPTUNE BY THE SEA UNIT 3 LOT 126 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 21 |
| Legal Subdivision | NEPTUNE BY THE SEA UNIT 3 |
| Legal Block | 1 |
| Legal Lot Number | 126 |
| Legal Unit | 3 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 14001 |
622 Cherry St is owner-occupied and held in a trust since September 2024.
Source: Duval County records, as of September 25, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 622 CHERRY ST, NEPTUNE BEACH, FL 32266-6219 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Oct 5, 2021 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 11, 2019 | Deed of Trust, Mortgage · VA Mortgage USAA |
| Jan 30, 2019 | Warranty Deed, Transfer · VA Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 12, 2024 · Amount on File |
| Deed Sale | Sep 12, 2024 · Amount on File |
| Prior Sale | Jan 30, 2019 · Amount on File |
| Deed Document Number | 2024200386 |
| Deed Book / Page | 21193 / 349 |
| Prior Transfer Date | Feb 20, 2013 |
| Prior Transfer Doc | 0163051961 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 622 CHERRY ST, NEPTUNE BEACH, FL 32266-6219 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2021 |
| Name | Verified Name |
|---|---|
| Address | 622 CHERRY ST, NEPTUNE BEACH, FL 32266-6219 |
| Document Number | 0199431305 |
|---|---|
| Date | Oct 5, 2021 |
| Book Page | 19943/1305 |
| Instrument | 2021260786 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 622 CHERRY ST, NEPTUNE BEACH, FL 32266-6219 |
| Document Number | 0190951301 |
| Instrument Date | Dec 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 622 CHERRY ST NEPTUNE BEACH FL 322666219, NEPTUNE BEACH, FL 32266-6219 |
| Document Number | 0190951301 |
|---|---|
| Date | Feb 6, 2020 |
| Book Page | 019095/001301 |
| Instrument | 29175 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 5, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Jan 30, 2019 |
| Property Address | 622 CHERRY ST, NEPTUNE BEACH, FL 32266-6219 |
| Document Number | 0186751962 |
| Book / Page | 018675 / 001962 |
| Instrument Date | Dec 11, 2018 |
| Instrument | 24280 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2019 |
| Title Company | CROCKETT TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,416.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 622 CHERRY ST NEPTUNE BEACH FL 322666219, NEPTUNE BEACH, FL 32266-6219 |
| Document Number | 186751965 |
|---|---|
| Date | Jan 30, 2019 |
| Book Page | 018675/001965 |
| Instrument | 24281 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 29, 2049 |
The 2025 property tax bill for 622 Cherry St was $12,353 with a homeowner's exemption, up 70.3% from the year before.
Source: Duval County assessment roll, as of September 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Duval County |
| Municipality | Neptune Beach City |
| Unified School District | Duval County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $718,106 (-2.29%) Land $463,922 Building $254,184 | $718,106 (-2.29%) Land $463,922 Building $254,184 | |
| 2025 | $12,353.00 (+70.27%) | $734,947 Land $450,000 Building $284,947 | $734,947 Land $450,000 Building $284,947 |
| 2024 | $7,255.00 (+2.78%) | ||
| 2023 | $7,059.00 (+9.17%) Homeowner's exemption | $432,604 (+3%) | $578,276 (+11.98%) Land $330,000 Building $248,276 |
| 2022 | $6,466.00 Homeowner's exemption | $420,004 | $516,418 Land $300,000 Building $216,418 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 622 Cherry St in Zone X, an area of minimal flood risk, though there have been 55 flood claims nearby since 1978.
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 312 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 312 in force |
| Nearby Flood Claims | 55 (1978–2024) |
| Claims Outside the SFHA | 46 of 55 |
| Most Recent Claim | Aug 2024 · Hurricane Debby |
| 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 622 Cherry St 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 | NEPTUNE BEACH serves 7,270 people · EPA ID FL2160206 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 343 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 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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