641 Reflection Cove Rd, Jacksonville, FL 32218 Property Records

Duval County property record for 641 Reflection Cove Rd, Jacksonville, FL 32218

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,408 sqft · built 2005
Lot Size	0.186 acres (8,112 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Feb 2021)
Tax Bill	$4,972 (2025)
Deeds & Mortgages	May 2023 Second Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`106606-6875`

Property Details

APN / Parcel Number

Primary APN	`106606-6875`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,408 sqft Living Area
Gross Area	3,175 sqft
1st Floor Area	2,408 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,112 sqft (0.186 acres)
Garage Type	Attached
Garage Area	406 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	361 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	641 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 .19 NORTH CREEK UNIT 3A LOT 66
Legal Range	27E
Legal Township	01N
Legal Section	37
Legal Subdivision	NORTH CREEK UNIT THREE A
Legal Lot Number	66
Legal Unit	3A
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE NORTH
Census Block Group	3
Census Block	3022
Census Tract	10101

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	2 Individual Names on Record
Mailing Address	641 REFLECTION COVE RD, JACKSONVILLE, FL 32218-8936
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA
Feb 26, 2021	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2021 · Amount on Record
Deed Sale	Feb 26, 2021 · Amount on Record
Prior Sale	Apr 4, 2006 · Amount on Record
Deed Document Number	202151027
Deed Book / Page	19604 / 1781
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	641 REFLECTION COVE RD, JACKSONVILLE, FL 32218-8936
Transaction Type	Mortgage
Record Updated	Jun 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 REFLECTION COVE RD, JACKSONVILLE, FL 32218-8936

Mortgage

Document Number	0206891032
Date	May 24, 2023
Book Page	20689/1032
Instrument	2023105439

Lender

Name	COMMUNITY FIRST CREDIT UNION OF FLORIDA
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 23, 2038

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Feb 26, 2021
Property Address	641 REFLECTION COVE RD, JACKSONVILLE, FL 32218-8936
Document Number	0196041781
Book / Page	19604 / 1781
Map Reference	MB 56 PG 62
Instrument Date	Feb 23, 2021
Instrument	2021051027
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	CORNERSTONE ABSTRACT, CORNERSTONE FL TTL & ABSTRAC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6311 BATTLEGATE RD, 6311, JACKSONVILLE, FL 32258-9426

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 REFLECTION COVE RD, JACKSONVILLE, FL 32218-8936

Mortgage

Document Number	0196041784
Date	Feb 26, 2021
Instrument	19604/1784

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

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		$310,061 (+2.96%)	$318,585 (+2.54%) Land $81,923 Building $236,662
2025	$4,972.00 (+6.08%) Homeowner's exemption	$301,151 (+5.99%)	$310,690 (-2.36%) Land $80,000 Building $230,690
2024	$4,687.00 (+2.83%)
2023	$4,558.00 (+9.12%) Homeowner's exemption	$284,140 (+3%)	$318,213 (+15.35%) Land $75,000 Building $243,213
2022	$4,177.00 Homeowner's exemption	$275,865 Land $55,000 Building $220,865	$275,865 Land $55,000 Building $220,865

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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