904 Area Code — Jacksonville, Florida
About the 904 Area Code
Area code 904 covers Jacksonville, Florida, a metropolitan market with a diverse mix of mobile, landline, and VoIP subscribers across residential and commercial accounts. Primary carriers include AT&T Mobility, Verizon Wireless, and T-Mobile USA. The area encompasses Jacksonville and St. Augustine and operates in the Eastern time zone, supporting a broad range of modern telecommunications services.
Key Information
- Region: Jacksonville
- State / Province: Florida
- Timezone: Eastern
- Major Cities: Jacksonville, St. Augustine
Area Code Overview
Area code 904 is one of Florida's original 1947 area codes, serving Duval County — which consolidated with the City of Jacksonville in 1968 to form the largest city by land area in the contiguous United States. The 904 footprint also covers surrounding Clay County (Orange Park, Fleming Island) and St. Johns County (St. Augustine, Ponte Vedra Beach, Nocatee), two of the fastest-growing counties in the nation. Jacksonville's economy is anchored by a massive military presence — Naval Air Station Jacksonville, Naval Station Mayport, and the supporting defense contractor ecosystem make Jacksonville one of the largest military communities in the Southeast. The financial services sector (Bank of America, Fidelity National Financial, Fortegra) and healthcare (Baptist Health, Mayo Clinic Florida) round out the major employment bases. The Beaches communities — Atlantic Beach, Neptune Beach, Jacksonville Beach, and Ponte Vedra — add a significant coastal residential corridor.
Scam Patterns in 904
US Navy and Military Base Impersonation Targeting Personnel and Families
Jacksonville hosts Naval Air Station Jacksonville on the Westside and Naval Station Mayport on the Beaches side — together representing one of the largest naval installations in the Southeast. The surrounding community includes a large population of active-duty sailors, officers, and their families, many of whom are young, geographically mobile, and navigating unfamiliar financial and administrative systems. Scam texts from 904 numbers impersonate base administration, the Navy Federal Credit Union (which has a major Jacksonville presence), or military pay and benefits offices — claiming that a service member's direct deposit has been suspended, that a housing allowance overpayment must be repaid immediately, or that a Tricare billing issue requires account verification. A variant targets military spouses during deployment periods, impersonating the Family Support Center and offering emergency financial assistance in exchange for routing number and account information. The Navy does not resolve pay or benefits issues via text message. The official channel for military pay issues is MyPay at mypay.dfas.mil.
JEA (Jacksonville Electric Authority) Disconnection Fraud
JEA is Jacksonville's publicly owned electric, water, and sewer utility — one of the largest community-owned utilities in the Southeast, serving the entirety of Duval County. Because JEA provides all three essential services to most Jacksonville households, a JEA disconnection text carries compounded urgency: recipients worry about losing electricity, water, and sewer simultaneously. Scam texts from 904 numbers impersonate JEA claiming an account is severely past due and that service will be disconnected within 24 to 48 hours unless payment is made through a link in the message. A targeted variant hits small business owners and commercial accounts with larger alleged balances. Seasonal spikes occur during summer months when Jacksonville's heat makes electricity loss feel immediately dangerous. JEA does communicate by text for service alerts, but it does not collect payments through unsolicited text links. Account status and payment can be verified at jea.com or by calling the number on your paper bill.
St. Johns County and Duval County Property Tax Exemption and Homestead Fraud
St. Johns County has been one of the fastest-growing counties in the United States for over a decade, with Nocatee consistently ranked among the top-selling master-planned communities in the country. The result is a large population of relatively new homeowners who are unfamiliar with Florida's homestead exemption process — and who stand to save significant amounts on their property tax bills by filing correctly. Scam texts from 904 numbers offer to file homestead exemptions or other property tax reductions for a fee. A separate variant impersonates the St. Johns County or Duval County Property Appraiser's office, claiming an assessment discrepancy must be resolved through a link to avoid a retroactive tax bill. Florida's homestead exemption is filed for free through the county property appraiser's office — there is no legitimate service that charges a fee to complete this filing, and the property appraiser does not communicate through unsolicited text payment links.
VoIP and Spoofing Risk Assessment
Risk Level: MOD
904 is a large, single-area-code market covering a geographically sprawling city and two of Florida's highest-growth counties. The military base impersonation vector is particularly targeted — Jacksonville's military population is younger on average than the general population, often financially stretched by junior enlisted pay grades, and frequently in new or unfamiliar situations that make official-sounding communications feel urgent. JEA's role as a combined electric, water, and sewer utility amplifies the disconnection threat. St. Johns County's rapid growth creates a persistent pool of new homeowners who have never filed a homestead exemption and are therefore receptive to "assistance" offers.
What To Do If You Receive a Text From a 904 Number
-
Resolve military pay and benefits issues through official military channels only. Use MyPay at mypay.dfas.mil for pay issues, contact your chain of command, or visit your base's finance office in person. Navy Federal Credit Union's official contact is at navyfederal.org. No military or base administration office will resolve a pay matter through a text message link.
-
Look up the number. Search at Who Sent That Text Message to check for prior reports of JEA impersonation, military fraud, or property tax scams before taking any action.
-
Check your JEA account status through jea.com directly. If you're genuinely concerned about a past-due balance, log in to your JEA account or call the customer service number on your paper bill — not any number provided in a text. See our guide on how to identify spoofed text messages for more on utility disconnection fraud patterns.
-
Report the text. Forward to 7726 (SPAM). File with the FTC at reportfraud.ftc.gov. Military members and families experiencing fraud can also report to the DoD Inspector General hotline and NCIS.
Frequently Asked Questions
What area code is 904?
Area code 904 serves Jacksonville, Florida and surrounding Duval, Clay, and St. Johns Counties, including the Beaches communities, Orange Park, and St. Augustine. It is one of Florida's original 1947 area codes and covers the entirety of the Jacksonville metropolitan area.
Is area code 904 used for scams?
904 is Jacksonville's legitimate area code used by residents, businesses, government agencies, and the military community. Documented scam patterns include US Navy and military base impersonation targeting active-duty personnel and families, JEA utility disconnection fraud, and St. Johns and Duval County homestead exemption fraud. Verify any 904 text involving military pay, JEA billing, or property tax exemptions before responding.
Why are military members in Jacksonville particularly targeted by scammers?
Jacksonville's enormous military population — NAS Jacksonville and NS Mayport together support tens of thousands of active-duty personnel — creates a concentrated pool of potential targets. Junior enlisted members are often young adults navigating complex financial systems for the first time, dealing with housing allowances, deployment pay adjustments, and Tricare billing that can be legitimately confusing. Scammers exploit this unfamiliarity with authoritative-sounding messages about pay holds or benefits issues that feel plausible to someone who has recently experienced legitimate administrative complexity.
Related Area Codes
- 352 — North Central Florida (Gainesville, Ocala, The Villages). The area code for the University of Florida corridor to Jacksonville's southwest.
- 386 — Northeast Florida and Daytona area (Daytona Beach, Flagler County, Volusia County). The area code immediately south of the 904 footprint along the Atlantic coast.
- 912 — Savannah, Georgia and the Georgia coastal plain. The area code immediately north of Jacksonville across the state line.
Carriers & Network Type for 904 Numbers
Network mix: Mixed — 904 numbers include mobile, landline, and VoIP lines.
Common Scam Patterns
FCC complaint data for 904 numbers includes:
- Robocall/Auto-dialer
- Medicare/health insurance scam
- IRS/Government impersonation
- Extended warranty scam
If You Got a Text from 904
Who Typically Calls from the 904 Area Code?
Area code 904 covers Jacksonville, Florida, a metropolitan market with a diverse mix of mobile, landline, and VoIP subscribers across residential and commercial accounts. Primary carriers include AT&T Mobility, Verizon Wireless, and T-Mobile USA. The area encompasses Jacksonville and St. Augustine and operates in the Eastern time zone, supporting a broad range of modern telecommunications services. Calls from 904 numbers originate in Jacksonville, Florida. Residents, local businesses, schools, medical offices, and government agencies in this region all use 904 numbers. If you received an unexpected call or text from a 904 number, it may be a neighbor, a local service provider, or — in some cases — an unwanted solicitor.
Because 904 is a legitimate, widely used area code, scammers sometimes spoof it to make their calls appear local and trustworthy. This technique — called neighbor spoofing — makes it more likely that recipients will answer. A reverse phone lookup is the fastest way to find out whether a 904 number is genuinely local or spoofed.
Is a 904 Phone Number Spam?
Not all 904 calls are spam, but the area code is not immune to robocall campaigns and phone scams. Common complaints about 904 numbers include warranty extension scams, debt collection harassment, IRS impersonation calls, and unsolicited insurance offers.
If a 904 number called you and didn't leave a voicemail, that's a red flag — legitimate callers typically leave a message. Use Who Sent That Text Message to look up the number instantly and see whether other users have flagged it as spam.
You can also report a suspicious 904 number directly from our lookup results, helping protect others in the community from the same caller.
Look Up a 904 Number Now
Enter any 904 area code phone number below and get instant results — carrier, line type, caller name (where available), and spam reports submitted by real users.
Other Area Codes in Florida
Florida has multiple area codes serving different regions. If the number you received isn't from 904, check one of the other Florida area codes below.