657 Reflection Cove Rd, Jacksonville, FL 32218 Property Records

Duval County property record for 657 Reflection Cove Rd, Jacksonville, FL 32218

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,861 sqft · built 2006
Lot Size	0.231 acres (10,042 sqft)
Owner	2 Individual Names on File
Last Sale	$429,900 (Aug 2023)
Tax Bill	$6,527 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`106606-6865`

Property Details

APN / Parcel Number

Primary APN	`106606-6865`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,861 sqft Living Area
Gross Area	3,799 sqft
1st Floor Area	1,819 sqft
Upper Floors Area	1,042 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,042 sqft (0.231 acres)
View / Lot	Pond
Garage Type	Attached
Garage Area	601 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	337 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	657 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 .23 NORTH CREEK UNIT 3A LOT 64
Legal Range	27E
Legal Township	01N
Legal Section	37
Legal Subdivision	NORTH CREEK UNIT THREE A
Legal Lot Number	64
Legal Unit	3A
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE NORTH
Census Block Group	3
Census Block	3022
Census Tract	10101

Owner

657 Reflection Cove Rd is owned and occupied by two individuals who bought it in August 2023.

Source: Duval County records, as of September 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	657 REFLECTION COVE RD, JACKSONVILLE, FL 32218-8936
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Mar 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2023 · Amount on File
Deed Sale	Aug 4, 2023 · Amount on File
Prior Sale	Apr 22, 2013 · Amount on File
Deed Document Number	2023161805
Deed Book / Page	20769 / 807
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUVAL FL
Recording Date	Aug 4, 2023
Property Address	657 REFLECTION COVE RD, JACKSONVILLE, FL 32218-8936
Document Number	0207690807
Book / Page	20769 / 807
Map Reference	MB 56 PG 62&62A-62C
Instrument Date	Jul 22, 2023
Instrument	2023161805
Transaction Type	Transfer
Record Updated	Aug 17, 2023
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,009.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7335 MAPLE WALK DR, HUMBLE, TX 77346-3155

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	657 REFLECTION COVE RD, JACKSONVILLE, FL 32218-8936

Mortgage

Document Number	0020769809
Date	Aug 4, 2023
Instrument	20769/809

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	657 REFLECTION COVE RD, JACKSONVILLE, FL 32218-8936
Transaction Type	Mortgage
Record Updated	Apr 8, 2022
Title Company	MTI TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	657 REFLECTION COVE RD, JACKSONVILLE, FL 32218-8936

Mortgage

Document Number	0201811633
Date	Mar 11, 2022
Book Page	20181/1633
Instrument	2022065750

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 657 Reflection Cove Rd was $6,527, down 1.7% from the year before.

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		$355,523 (+2.37%) Land $82,541 Building $272,982	$355,523 (+2.37%) Land $82,541 Building $272,982
2025	$6,527.00 (-1.72%)	$347,277 Land $80,000 Building $267,277	$347,277 Land $80,000 Building $267,277
2024	$6,641.00 (+77%)
2023	$3,752.00 (+9.26%) Homeowner's exemption	$239,235 (+3%)	$356,756 (+14.77%) Land $75,000 Building $281,756
2022	$3,434.00 Homeowner's exemption	$232,267	$310,843 Land $55,000 Building $255,843

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 657 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

Wildfire risk around 657 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.

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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