848 Reflection Cove Rd E, Jacksonville, FL 32218 Property Records

Duval County property record for 848 Reflection Cove Rd E, Jacksonville, FL 32218

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,252 sqft · built 2007
Lot Size	0.275 acres (11,994 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Oct 2007)
Tax Bill	$7,099 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`106606-7205`

Property Details

APN / Parcel Number

Primary APN	`106606-7205`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,252 sqft Living Area
Gross Area	4,333 sqft
1st Floor Area	2,822 sqft
Upper Floors Area	430 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	11,994 sqft (0.275 acres)
Garage Type	Attached
Garage Area	727 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished Screened Porch
Porch Area	354 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	848 REFLECTION COVE RD E
City	JACKSONVILLE
State	FL
Zip	32218-8950
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	61-59 37-1N-27E .28 NORTH CREEK UNIT 4 LOT 20
Legal Range	27E
Legal Township	01N
Legal Section	37
Legal Subdivision	NORTH CREEK UNIT 4
Legal Lot Number	20
Legal Unit	4
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE NORTH
Census Block Group	3
Census Block	3019
Census Tract	10101

Owner

Source: Duval County records · APN 106606-7205

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	2 Individual Names on File
Mailing Address	848 REFLECTION COVE RD E, JACKSONVILLE, FL 32218-8950
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 16, 2007 · Amount on Record
Deed Sale	Oct 16, 2007 · Amount on Record
Deed Document Number	2007327889
Deed Book / Page	14230 / 1739
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	848 REFLECTION COVE RD E, JACKSONVILLE, FL 32218-8950
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	848 REFLECTION COVE RD E, JACKSONVILLE, FL 32218-8950

Mortgage

Document Number	0216321726
Date	Sep 26, 2025
Book Page	21632/1726
Instrument	2025224935

Lender

Name	DEEPHAVEN MORTGAGE LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 07, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Duval County records · Assessment roll updated June 3, 2026 · Last verified June 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

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		$387,469 (+2.41%) Land $84,288 Building $303,181	$387,469 (+2.41%) Land $84,288 Building $303,181
2025	$7,099.00 (+1.82%)	$378,349 (-3.04%) Land $80,000 Building $298,349	$378,349 (-3.04%) Land $80,000 Building $298,349
2024	$6,972.00 (+5.68%)
2023	$6,597.00 (+17.49%)	$390,231 (+14.27%) Land $75,000 Building $315,231	$390,231 (+14.27%) Land $75,000 Building $315,231
2022	$5,615.00	$341,491 Land $55,000 Building $286,491	$341,491 Land $55,000 Building $286,491

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Duval County (12031C), as of June 11, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120310101013, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Wildfire

Wildfire Risk	Moderate above 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fiber	1,000 / 1,000

Based on FCC filings for 182 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL2161328, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	JEA MAJOR GRID serves 826,664 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.