Duval County property record for 85 Nicole Ln, Atlantic Beach, FL 32233
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,443 sqft · built 1993 |
| Lot Size | 0.106 acres (4,595 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $931,000 (Sep 2013) |
| Tax Bill | $15,913 (2025) |
| Deeds & Mortgages | Feb 2019 Line of Credit Mar 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 169519-0830 |
| Primary APN | 169519-0830 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,443 sqft Living Area |
| Gross Area | 3,905 sqft |
| 1st Floor Area | 1,564 sqft |
| Upper Floors Area | 1,879 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 4,595 sqft (0.106 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 85 NICOLE LN |
|---|---|
| City | ATLANTIC BEACH |
| State | FL |
| Zip | 32233-5979 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ARG-M |
| Legal Description | 46-94 37-2S-29E TIFFANY BY THE SEA LOT 24 |
| Legal Range | 29E |
| Legal Township | 02S |
| Legal Section | 37 |
| Legal Subdivision | TIFFANY BY THE SEA |
| Legal Block | 3 |
| Legal Lot Number | 24 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE BEACHES |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 13905 |
85 Nicole Ln is owned and occupied by two individuals who bought it in September 2013.
Source: Duval County records, as of September 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 85 NICOLE LN, ATLANTIC BEACH, FL 32233-5979 |
| 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.
| Date | Document |
|---|---|
| Feb 7, 2019 | Deed of Trust, Mortgage · Line of Credit COMPASS BANK |
| Mar 4, 2021 | Deed of Trust, Mortgage · Line of Credit BBVA USA |
| May 5, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 12, 2013 · Amount on File |
| Deed Sale | Sep 12, 2013 · Amount on File |
| Prior Sale | Nov 1, 1996 · Amount on File |
| Deed Document Number | 2013236190 |
| Deed Book / Page | 16526 / 66 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 85 NICOLE LN, ATLANTIC BEACH, FL 32233-5979 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0186841819 |
|---|---|
| Date | Feb 7, 2019 |
| Book Page | 18684/1819 |
| Instrument | 2019031010 |
| Name | COMPASS BANK |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE BEACH, FL 32250 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Jan 11, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 85 NICOLE LN, ATLANTIC BEACH, FL 32233-5979 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 85 NICOLE LN, ATLANTIC BEACH, FL 32233-5979 |
| Document Number | 0196140834 |
|---|---|
| Date | Mar 4, 2021 |
| Book Page | 19614/834 |
| Instrument | 2021056507 |
| Name | BBVA USA |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE BEACH, FL 32250 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 85 NICOLE LN, ATLANTIC BEACH, FL 32233-5979 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|---|
| Address | 85 NICOLE LN, ATLANTIC BEACH, FL 32233-5979 |
| Document Number | 0202640546 |
|---|---|
| Date | May 5, 2022 |
| Book Page | 20264/546 |
| Instrument | 2022120170 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2052 |
The 2025 property tax bill for 85 Nicole Ln was $15,913 with a homeowner's exemption, up 1.7% from the year before.
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 | $992,534 (+2.7%) | $1,680,925 (+2.01%) Land $656,996 Building $1,023,929 | |
| 2025 | $15,913.00 (+1.72%) Homeowner's exemption | $966,441 | $1,647,753 Land $650,000 Building $997,753 |
| 2024 | $15,644.00 (+2.6%) | ||
| 2023 | $15,248.00 (+7.33%) Homeowner's exemption | $911,850 (+3%) | $1,227,168 (+10.99%) Land $600,000 Building $627,168 |
| 2022 | $14,206.00 Homeowner's exemption | $885,292 | $1,105,681 Land $500,000 Building $605,681 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 85 Nicole Ln 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 260 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 322 units insured incl. 62 condo units |
| Nearby Flood Claims | 46 (1979–2017) |
| Claims Outside the SFHA | 43 of 46 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| 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.
Wildfire risk around 85 Nicole Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 382 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 · DSL | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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