644 Beach Ave, Atlantic Beach, FL 32233 Property Records

Duval County property record for 644 Beach Ave, Atlantic Beach, FL 32233

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,302 sqft · built 1923
Lot Size	0.092 acres (3,989 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,100,000 (Feb 2023)
Tax Bill	$17,737 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`170125-0000`

Property Details

APN / Parcel Number

Primary APN	`170125-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,302 sqft Living Area
Gross Area	2,631 sqft
1st Floor Area	1,029 sqft
Upper Floors Area	1,151 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	3,989 sqft (0.092 acres)
Lot Dimensions	78 ft deep x 50 ft wide
Pool Area	1 sqft
Porch	Enclosed/Finished Porch
Porch Area	602 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	644 BEACH AVE
City	ATLANTIC BEACH
State	FL
Zip	32233-5326
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ARG
Legal Description	16-2S-29E DANIEL & HACKETT R/P BLK 16 ATLANTIC BEACH E1/2 LOT 4 O/R BK 2632-708
Legal Range	29E
Legal Township	02S
Legal Section	16
Legal Subdivision	DANIEL & HACKETT R/P BK16
Legal Block	16
Legal Lot Number	4
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE BEACHES
Census Block Group	1
Census Block	1015
Census Tract	13905

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	645 OCEAN BLVD, ATLANTIC BEACH, FL 32233-5341
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2023 · Amount on Record
Deed Sale	Feb 28, 2023 · Amount on Record
Prior Sale	May 13, 2015 · Amount on Record
Deed Document Number	202339787
Deed Book / Page	20596 / 312
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Feb 28, 2023
Property Address	644 BEACH AVE, ATLANTIC BEACH, FL 32233-5326
Document Number	0205960312
Book / Page	20596 / 312
Map Reference	MB 9 PG 35
Instrument Date	Feb 24, 2023
Instrument	2023039787
Transaction Type	Transfer
Record Updated	Mar 16, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 OCEAN BLVD, ATLANTIC BEACH, FL 32233-5341

Mortgage

Document Number	0020596325
Date	Feb 28, 2023
Instrument	20596/325

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Tax Assessment & Valuation

Source: Duval County assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	Florida
Municipality	Atlantic Beach City
County	Duval County
Unified School District	Duval County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,085,751 (-0.46%) Land $976,855 Building $108,896	$1,085,751 (-0.46%) Land $976,855 Building $108,896
2025	$17,737.00 (+12.44%)	$1,090,799 (+24.82%) Land $964,275 Building $126,524	$1,090,799 (+24.82%) Land $964,275 Building $126,524
2024	$15,775.00 (+3.12%)
2023	$15,298.00 (+643.34%)	$873,907 (+432.56%) Land $762,450 Building $111,457	$873,907 (+14.95%) Land $762,450 Building $111,457
2022	$2,058.00 Homeowner's exemption	$164,095	$760,270 Land $663,000 Building $97,270

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.

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 342 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	531 units insured incl. 189 condo units
Nearby Flood Claims	44 (1979–2017)
Claims Outside the SFHA	40 of 44
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 4 claims Hurricane Matthew, Oct 2016 · 3 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 3 claims

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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ATLANTIC BEACH WATER SYSTEM serves 23,503 people · EPA ID FL2160200
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 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	1 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 525 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
AT&T DSL · Fiber in parts of the area	100 / 20