903 River Oaks Rd, Jacksonville, FL 32207 Property Records

Duval County property record for 903 River Oaks Rd, Jacksonville, FL 32207

Property Summary

Property Type	Single Family Home
Details	5 bd · 6.5 ba · 6,176 sqft · built 1941
Lot Size	0.839 acres (36,538 sqft)
Owner	2 Individual Names on File
Last Sale	$1,990,000 (May 2018)
Tax Bill	$41,852 (2025)
Deeds & Mortgages	Dec 2019 Mortgage May 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`082435-0000`

Property Details

APN / Parcel Number

Primary APN	`082435-0000`

Interior

Bedrooms	5 Beds
Full Baths	6.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	6,176 sqft Living Area
Gross Area	7,469 sqft
1st Floor Area	2,773 sqft
Upper Floors Area	2,177 sqft
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 2000
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	36,538 sqft (0.839 acres)
Lot Dimensions	293 ft deep x 125 ft wide
View / Lot	River
Garage Type	Attached
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	4 sqft
Porch	Finished/Open Porch
Porch Area	534 sqft
Patio Area	506 sqft
Boat Access	Boat Access
Boat House	350 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	903 RIVER OAKS RD
City	JACKSONVILLE
State	FL
Zip	32207-4107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RLD-60
Legal Description	15-35 47-2S-26E .84 RIVER OAKS R/P LOTS A,B BLK 12, 10-9 SAN JOSE PARK W 1/2 LOT 31,PT LOT 31 RECD O/R 18395-1879 BLK 11
Legal Range	26E
Legal Township	02S
Legal Section	47
Legal Subdivision	RIVER OAKS
Legal Block	12,10
Legal Lot Number	31
Jurisdiction	DUVAL FL
Township / Civil Division	JACKSONVILLE EAST
Census Block Group	1
Census Block	1032
Census Tract	700

Owner

903 River Oaks Rd is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	903 RIVER OAKS RD, JACKSONVILLE, FL 32207-4107
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2019	Deed of Trust, Mortgage BANK OF AMERICA
May 22, 2018	Grant Deed, Transfer BANK OF AMERICA
Jun 16, 2017	Deed in Lieu of Foreclosure, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2018 · Amount on File
Deed Sale	May 22, 2018 · Amount on File
Prior Sale	Mar 20, 1996 · Amount on File
Deed Document Number	2018121368
Deed Book / Page	18395 / 1879
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUVAL FL
Property Address	903 RIVER OAKS RD, JACKSONVILLE, FL 32207-4107
Document Number	0190280858
Instrument Date	Dec 3, 2019
Transaction Type	Mortgage
Record Updated	Dec 17, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	903 RIVER OAKS RD JACKSONVILLE FL 322074107, JACKSONVILLE, FL 32207-4107

Mortgage

Document Number	0190280858
Date	Dec 6, 2019
Book Page	019028/000858
Instrument	279323

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 5, 2049

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DUVAL FL
Recording Date	May 22, 2018
Property Address	903 RIVER OAKS RD, JACKSONVILLE, FL 32207-4107
Document Number	0183951879
Book / Page	018395 / 001879
Instrument Date	May 4, 2018
Instrument	121368
Transaction Type	Transfer
Record Updated	Jun 18, 2018
Title Company	KENDALL TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,930.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	903 RIVER OAKS RD JACKSONVILLE FL 322074107, JACKSONVILLE, FL 32207-4107

Mortgage

Document Number	183951881
Date	May 22, 2018
Book Page	018395/001881
Instrument	121369

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 21, 2048

June 2017: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	DUVAL FL
Recording Date	Jun 16, 2017
Property Address	903 RIVER OAKS RD, JACKSONVILLE, FL 32207-4107
Document Number	0180210036
Book / Page	018021 / 000036
Instrument Date	May 12, 2017
Instrument	141678
Transaction Type	Foreclosure
Record Updated	Aug 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$8,764.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 FORREST ST HATTIESBURG MS 394013476, HATTIESBURG, MS 39401-3476
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 903 River Oaks Rd was $41,852 with a homeowner's exemption, up 2.6% 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		$2,409,984 (+2.7%)	$2,429,860 (-0.45%) Land $1,653,624 Building $776,236
2025	$41,852.00 (+2.6%) Homeowner's exemption	$2,346,626	$2,440,898 Land $1,600,000 Building $840,898
2024	$40,791.00 (+7.57%)
2023	$37,922.00 (+8.52%) Homeowner's exemption	$2,109,283 (+3%)	$2,226,730 (+1.41%) Land $1,520,000 Building $706,730
2022	$34,946.00 Homeowner's exemption	$2,047,848	$2,195,749 Land $1,520,000 Building $675,749

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

Flood

FEMA maps place 903 River Oaks Rd in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 101 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	105 units insured incl. 4 condo units
Nearby Flood Claims	71 (1979–2024)
Claims Outside the SFHA	48 of 71
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Irma, Sep 2017 · 39 claims Tropical Storm Fay, Aug 2008 · 6 claims Tropical Storm Josephine, Oct 1996 · 5 claims

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 903 River Oaks Rd is low, with 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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	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.

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 205 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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