Duval County property record for 824 Reflection Cove Rd E, Jacksonville, FL 32218 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,635 sqft · built 2007 |
| Lot Size | 0.261 acres (11,385 sqft) |
| Owner | Individual Name on File |
| Last Sale | $332,000 (Apr 2021) |
| Tax Bill | $5,418 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit Nov 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 106606-7190 |
| Primary APN | 106606-7190 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,635 sqft Living Area |
| Gross Area | 3,390 sqft |
| 1st Floor Area | 2,229 sqft |
| Upper Floors Area | 406 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 11,385 sqft (0.261 acres) |
| Garage Type | Attached |
| Garage Area | 489 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 266 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 824 REFLECTION COVE RD E |
|---|---|
| City | JACKSONVILLE |
| State | FL |
| Zip | 32218-8950 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 61-59 37-1N-27E .26 NORTH CREEK UNIT 4 LOT 17 |
| Legal Range | 27E |
| Legal Township | 01N |
| Legal Section | 37 |
| Legal Subdivision | NORTH CREEK UNIT 4 |
| Legal Lot Number | 17 |
| Legal Unit | 4 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE NORTH |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 10101 |
Source: Duval County records · APN 106606-7190
Assessment roll updated June 3, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 824 REFLECTION COVE RD E, JACKSONVILLE, FL 32218-8950 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 08, 2022 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Nov 19, 2021 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Apr 23, 2021 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Mar 27, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 23, 2021 · Amount on Record |
| Deed Sale | Apr 23, 2021 · Amount on Record |
| Prior Sale | Jun 25, 2008 · Amount on Record |
| Deed Document Number | 2021103715 |
| Deed Book / Page | 19691 / 2497 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 824 REFLECTION COVE RD E, JACKSONVILLE, FL 32218-8950 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 824 REFLECTION COVE RD E, JACKSONVILLE, FL 32218-8950 |
| Document Number | 0202140995 |
|---|---|
| Date | Apr 08, 2022 |
| Book Page | 20214/995 |
| Instrument | 2022087924 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 01, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 824 REFLECTION COVE RD E, JACKSONVILLE, FL 32218-8950 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 824 REFLECTION COVE RD E, JACKSONVILLE, FL 32218-8950 |
| Document Number | 0200231904 |
|---|---|
| Date | Nov 19, 2021 |
| Book Page | 20023/1904 |
| Instrument | 2021309656 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Dec 01, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | Apr 23, 2021 |
| Property Address | 824 REFLECTION COVE RD E, JACKSONVILLE, FL 32218-8950 |
| Document Number | 0196912497 |
| Book / Page | 19691 / 2497 |
| Map Reference | MB 61 PG 59 |
| Instrument Date | Apr 15, 2021 |
| Instrument | 2021103715 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Title Company | ATLANTIC EAST TITLE, ATLANTIC COAST T&E |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,324.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 134 BARRINGTON DR, 134, PALM COAST, FL 32137-8865 |
| Name | Verified Name |
|---|---|
| Address | 824 REFLECTION COVE RD E, JACKSONVILLE, FL 32218-8950 |
| Document Number | 196921 |
|---|---|
| Date | Apr 23, 2021 |
| Instrument | 19692/1 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 824 REFLECTION COVE RD E, JACKSONVILLE, FL 32218-8950 |
| Document Number | 0187482135 |
| Instrument Date | Mar 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 07, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 824 REFLECTION COVE RD E JACKSONVILLE FL 322188950, JACKSONVILLE, FL 32218-8950 |
| Document Number | 0187482135 |
|---|---|
| Date | Apr 09, 2019 |
| Book Page | 018748/002135 |
| Instrument | 79998 |
| Name | SPRING EQ LLC |
|---|---|
| Address | PHILADELPHIA, PA 19104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 08, 2029 |
Source: Duval County records · Assessment roll updated June 3, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Duval County |
| Municipality | Jacksonville City |
| Unified School District | Duval County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $335,126 (+2.7%) | $342,919 (+2.38%) Land $80,000 Building $262,919 | |
| 2025 | $5,418.00 (+5.74%) Homeowner's exemption | $326,316 (+5.99%) | $334,937 (-2.53%) Land $80,000 Building $254,937 |
| 2024 | $5,124.00 (+2.79%) | ||
| 2023 | $4,985.00 (+9.08%) Homeowner's exemption | $307,884 (+3%) | $343,614 (+14.95%) Land $75,000 Building $268,614 |
| 2022 | $4,570.00 Homeowner's exemption | $298,917 Land $55,000 Building $243,917 | $298,917 Land $55,000 Building $243,917 |
Source: FEMA National Flood Hazard Layer, Duval County (12031C), updated June 11, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120310101013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Cost | Premium on Record median of 49 individual NFIP policies nearby |
| 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 |
| Wildfire Risk | Moderate above 50% of the US · above 20% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 935 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 182 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
| AT&T | Fiber | 1,000 / 1,000 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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