Duval County property record for 649 Reflection Cove Rd, Jacksonville, FL 32218
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,393 sqft · built 2006 |
| Lot Size | 0.205 acres (8,936 sqft) |
| Owner | Individual Name on File |
| Last Sale | $206,500 (Jul 2016) |
| Tax Bill | $3,673 (2025) |
| Deeds & Mortgages | Dec 2024 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 106606-6870 |
| Primary APN | 106606-6870 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,393 sqft Living Area |
| Gross Area | 3,097 sqft |
| 1st Floor Area | 2,393 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 8,936 sqft (0.205 acres) |
| View / Lot | Pond |
| Garage Type | Attached |
| Garage Area | 421 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 283 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 649 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 .21 NORTH CREEK UNIT 3A LOT 65 |
| Legal Range | 27E |
| Legal Township | 01N |
| Legal Section | 37 |
| Legal Subdivision | NORTH CREEK UNIT THREE A |
| Legal Lot Number | 65 |
| Legal Unit | 3A |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE NORTH |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 10101 |
649 Reflection Cove Rd is owned and occupied by an individual who bought it in July 2016.
Source: Duval County records, as of September 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 649 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 28, 2016 · Amount on File |
| Deed Sale | Jul 28, 2016 · Amount on File |
| Prior Sale | Oct 26, 2015 |
| Deed Document Number | 2016173868 |
| Deed Book / Page | 17651 / 2375 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 649 REFLECTION COVE RD, JACKSONVILLE, FL 32218-8936 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 649 REFLECTION COVE RD, JACKSONVILLE, FL 32218-8936 |
| Document Number | 0213002002 |
|---|---|
| Date | Dec 18, 2024 |
| Book Page | 21300/2002 |
| Instrument | 2024275302 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2045 |
The 2025 property tax bill for 649 Reflection Cove Rd was $3,673 with a homeowner's exemption, up 7.5% from the year before.
Source: Duval County assessment roll, as of September 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Duval County |
| Municipality | Jacksonville City |
| Unified School District | Duval County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $234,090 (+2.7%) | $333,643 (+2.25%) Land $86,287 Building $247,356 | |
| 2025 | $3,673.00 (+7.52%) Homeowner's exemption | $227,936 | $326,309 Land $80,000 Building $246,309 |
| 2024 | $3,416.00 (+2.95%) | ||
| 2023 | $3,318.00 (+9.32%) Homeowner's exemption | $215,062 (+3%) | $335,197 (+15.02%) Land $75,000 Building $260,197 |
| 2022 | $3,035.00 Homeowner's exemption | $208,799 | $291,421 Land $55,000 Building $236,421 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 649 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 risk around 649 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.
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 |
| 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 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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