Duval County property record for 864 Reflection Cove Rd E, Jacksonville, FL 32218
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,455 sqft · built 2007 |
| Lot Size | 0.333 acres (14,520 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $425,000 (May 2023) |
| Tax Bill | $5,459 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage May 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 106606-7215 |
| Primary APN | 106606-7215 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,455 sqft Living Area |
| Gross Area | 3,331 sqft |
| 1st Floor Area | 2,455 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 14,520 sqft (0.333 acres) |
| Garage Type | Attached |
| Garage Area | 666 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 210 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 864 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 .33 NORTH CREEK UNIT 4 LOT 22 |
| Legal Range | 27E |
| Legal Township | 01N |
| Legal Section | 37 |
| Legal Subdivision | NORTH CREEK UNIT 4 |
| Legal Lot Number | 22 |
| 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, as of June 3, 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 Record |
|---|---|
| Mailing Address | 864 REFLECTION COVE RD E, JACKSONVILLE, FL 32218-8950 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 22, 2026 | Deed of Trust, Mortgage · FHA Mortgage AFFORDABLE MORTGAGE ADVISORS LLC |
| May 20, 2023 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 20, 2023 · Amount on Record |
| Deed Sale | May 20, 2023 · Amount on Record |
| Prior Sale | Jun 7, 2007 · Amount on Record |
| Deed Document Number | 2023102668 |
| Deed Book / Page | 20685 / 918 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 864 REFLECTION COVE RD E, JACKSONVILLE, FL 32218-8950 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 864 REFLECTION COVE RD E, JACKSONVILLE, FL 32218-8950 |
| Document Number | 0217662287 |
|---|---|
| Date | Jan 22, 2026 |
| Book Page | 21766/2287 |
| Instrument | 2026018020 |
| Name | AFFORDABLE MORTGAGE ADVISORS LLC |
|---|---|
| Type | Mortgage Company |
| Address | PITTSBURGH, PA 15205 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DUVAL FL |
| Recording Date | May 20, 2023 |
| Property Address | 864 REFLECTION COVE RD E, JACKSONVILLE, FL 32218-8950 |
| Document Number | 0206850918 |
| Book / Page | 20685 / 918 |
| Map Reference | MB 61 PG 59-66 |
| Instrument Date | May 16, 2023 |
| Instrument | 2023102668 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Title Company | CLOSING BEAR LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,975.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1910 COLEBROOKE DR, TEMPLE HILLS, MD 20748-5606 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 864 REFLECTION COVE RD E, JACKSONVILLE, FL 32218-8950 |
| Document Number | 0206850920 |
|---|---|
| Date | May 20, 2023 |
| Book Page | 20685/920 |
| Instrument | 2023102669 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
Source: Duval County assessment roll, as of June 3, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Duval County |
| Municipality | Jacksonville City |
| Unified School District | Duval County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $335,156 (+2.36%) Land $82,666 Building $252,490 | $335,156 (+2.36%) Land $82,666 Building $252,490 | |
| 2025 | $5,459.00 (-1.73%) Homeowner's exemption | $327,435 (+36.53%) Land $80,000 Building $247,435 | $327,435 (-2.5%) Land $80,000 Building $247,435 |
| 2024 | $5,555.00 (+50.38%) | ||
| 2023 | $3,694.00 (+9.29%) Homeowner's exemption Veteran's exemption | $239,826 (+3%) | $335,837 (+15.1%) Land $75,000 Building $260,837 |
| 2022 | $3,380.00 Homeowner's exemption Veteran's exemption | $232,841 | $291,790 Land $55,000 Building $236,790 |
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 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 |
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 | Moderate above 55% of the US · lower than 73% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 182 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T Fiber | 1,000 / 1,000 |
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