Duval County property record for 654 Aquatic Dr, Atlantic Beach, FL 32233
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,056 sqft · built 1986 |
| Lot Size | 0.102 acres (4,429 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $289,900 (Aug 2021) |
| Tax Bill | $4,001 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit Aug 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 171818-5218 |
| Primary APN | 171818-5218 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| Gross Area | 1,104 sqft |
| 1st Floor Area | 1,056 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Townhouse |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 4,429 sqft (0.102 acres) |
| Porch | Finished/Open Porch |
| Porch Area | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 654 AQUATIC DR |
|---|---|
| City | ATLANTIC BEACH |
| State | FL |
| Zip | 32233-3841 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ARG-M |
| Legal Description | 38-71 17-2S-29E AQUATIC GARDENS LOT 15-A |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 17 |
| Legal Subdivision | AQUATIC GARDENS |
| Legal Block | 2 |
| Legal Lot Number | 15-A |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 13902 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 654 AQUATIC DR, ATLANTIC BEACH, FL 32233-3841 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 14, 2025 | Deed of Trust, Mortgage · Line of Credit THE LOAN STORE INC |
| Aug 21, 2021 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Apr 16, 2018 | Warranty Deed, Transfer · Conventional Mortgage USAA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 21, 2021 · Amount on Record |
| Deed Sale | Aug 21, 2021 · Amount on Record |
| Prior Sale | Apr 16, 2018 · Amount on Record |
| Deed Document Number | 2021217831 |
| Deed Book / Page | 19874 / 328 |
| Prior Transfer Date | Dec 22, 1995 |
| Prior Transfer Doc | 0000052149 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 654 AQUATIC DR, ATLANTIC BEACH, FL 32233-3841 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2025 |
| Name | Verified Name |
|---|---|
| Address | 654 AQUATIC DR, ATLANTIC BCH, FL 32233-3841 |
| Document Number | 0216882178 |
|---|---|
| Date | Nov 14, 2025 |
| Book Page | 21688/2178 |
| Instrument | 2025262364 |
| Name | THE LOAN STORE INC |
|---|---|
| Type | Mortgage Company |
| Address | TUCSON, AZ 85718 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Aug 21, 2021 |
| Property Address | 654 AQUATIC DR, ATLANTIC BEACH, FL 32233-3841 |
| Document Number | 0198740328 |
| Book / Page | 19874 / 328 |
| Map Reference | MB 38 PG 71&71A |
| Instrument Date | Jul 13, 2021 |
| Instrument | 2021217831 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,029.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 654 AQUATIC DR, ATLANTIC BEACH, FL 32233-3841 |
| Document Number | 19874331 |
|---|---|
| Date | Aug 21, 2021 |
| Instrument | 19874/331 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Apr 16, 2018 |
| Property Address | 654 AQUATIC DR, ATLANTIC BEACH, FL 32233-3841 |
| Document Number | 0183512147 |
| Book / Page | 018351 / 002147 |
| Instrument Date | Mar 14, 2018 |
| Instrument | 88595 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2018 |
| Title Company | ELITE TITLE AND ESCROW CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,155.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4317 CASCADE ST ENID OK 737034717, ENID, OK 73703-4717 |
| Document Number | 183512149 |
|---|---|
| Date | Apr 16, 2018 |
| Book Page | 018351/002149 |
| Instrument | 88596 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 15, 2033 |
Source: Duval County assessment roll, as of September 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| Municipality | Atlantic Beach City |
| County | Duval County |
| Unified School District | Duval County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $281,285 (+2.7%) | $341,391 (-3.09%) Land $200,000 Building $141,391 | |
| 2025 | $4,001.00 (+1.99%) Homeowner's exemption | $273,890 (+5.99%) | $352,279 (+13.35%) Land $200,000 Building $152,279 |
| 2024 | $3,923.00 (+2.99%) | ||
| 2023 | $3,809.00 (+8.21%) Homeowner's exemption | $258,420 (+3%) | $310,786 (+23.87%) Land $160,000 Building $150,786 |
| 2022 | $3,520.00 Homeowner's exemption | $250,894 Land $110,000 Building $140,894 | $250,894 Land $110,000 Building $140,894 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 110 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 110 in force |
| Nearby Flood Claims | 28 (1993–2024) |
| Claims Outside the SFHA | 13 of 28 |
| 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.
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 534 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 · Fixed Wireless · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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