Duval County property record for 989 Tortoise Way, Jacksonville, FL 32218
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,834 sqft · built 1992 |
| Lot Size | 0.508 acres (22,123 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,133 (2025) |
| Deeds & Mortgages | Sep 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 044281-5580 |
| Primary APN | 044281-5580 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,834 sqft Living Area |
| Gross Area | 2,559 sqft |
| 1st Floor Area | 1,834 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Combination |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 22,123 sqft (0.508 acres) |
| View / Lot | Pond |
| Garage Type | Attached |
| Garage Area | 434 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 291 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 989 TORTOISE WAY |
|---|---|
| City | JACKSONVILLE |
| State | FL |
| Zip | 32218-3698 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RLD-60 |
| Legal Description | 46-018 50-1S-26E HART ESTATES UNIT 01 LOT 31 O/R BK 7250-1939 |
| Legal Range | 26E |
| Legal Township | 01S |
| Legal Section | 50 |
| Legal Subdivision | HART ESTATES UNIT 01 |
| Legal Block | 2 |
| Legal Lot Number | 31 |
| Legal Unit | 1 |
| Jurisdiction | DUVAL FL |
| Township / Civil Division | JACKSONVILLE NORTH |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 10308 |
Source: Duval County records, as of September 25, 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 | 989 TORTOISE WAY, JACKSONVILLE, FL 32218-3698 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | DUVAL FL |
| Property Address | 989 TORTOISE WAY, JACKSONVILLE, FL 32218-3698 |
| Document Number | 0181302288 |
| Book / Page | 018130 / 002288 |
| Instrument Date | Sep 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 989 TORTOISE WAY JACKSONVILLE FL 322183698, JACKSONVILLE, FL 32218-3698 |
| Document Number | 0181302288 |
|---|---|
| Date | Sep 27, 2017 |
| Book Page | 018130/002288 |
| Instrument | 221081 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32232-5085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 26, 2027 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
Source: Duval County assessment roll, as of September 25, 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 | $144,983 (+2.7%) | $278,282 (+2.67%) Land $55,915 Building $222,367 | |
| 2025 | $2,133.00 (+11.68%) Homeowner's exemption | $141,172 (+5.99%) | $271,041 (+13.04%) Land $55,000 Building $216,041 |
| 2024 | $1,910.00 (+3.35%) | ||
| 2023 | $1,848.00 (+9.93%) Homeowner's exemption | $133,199 (+3%) | $239,773 (+18.59%) Land $42,500 Building $197,273 |
| 2022 | $1,681.00 Homeowner's exemption | $129,320 | $202,195 Land $42,500 Building $159,695 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 48 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 48 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 323 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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