103 River Rd, Orange Park, FL 32073 Property Records

Clay County property record for 103 River Rd, Orange Park, FL 32073

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,701 sqft · built 2021
Lot Size	1.7 acres (74,096 sqft)
Owner	Trust Name on File
Last Sale	$425,000 (Mar 2016)
Tax Bill	$20,324 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Sep 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`51-04-26-018456-000-00`

Property Details

APN / Parcel Number

Primary APN	`51-04-26-018456-000-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	4,701 sqft Living Area
Gross Area	5,854 sqft
1st Floor Area	2,996 sqft
Flooring	Wood

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	74,096 sqft (1.7 acres)
Lot Dimensions	830 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	1,153 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Finished/Open Porch
Deck Area	450 sqft
Boat House	346 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	103 RIVER RD
City	ORANGE PARK
State	FL
Zip	32073-3006
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	LOT 12 MILBYRNE TRIANGLE SEC 1O.P. AS REC OR 3835 PG 816 & 4236 PG 605
Legal Range	26E
Legal Township	04S
Legal Section	51
Legal Subdivision	MILBYRNE TRIANGLE
Legal Lot Number	12
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2005
Census Tract	30600

Owner

103 River Rd is owner-occupied and held in a trust since September 2019.

Source: Clay County records, as of December 3, 2025

Owner of Record	Trust Name on File
Mailing Address	103 RIVER RD, ORANGE PARK, FL 32073-3006
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Feb 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 30, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2016 · Amount on File
Deed Sale	Mar 3, 2016 · Amount on File
Prior Sale	May 11, 2010 · Amount on File
Deed Document Number	201610513
Deed Book / Page	3835 / 816
Last Transfer Date	Sep 27, 2019
Transfer Doc	0042360605
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	103 RIVER RD, ORANGE PARK, FL 32073-3006
Transaction Type	Mortgage
Record Updated	Jan 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 RIVER RD, ORANGE PARK, FL 32073-3006

Mortgage

Document Number	0045690100
Date	Feb 8, 2022
Book Page	4569/100
Instrument	2022008695

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Sep 30, 2019
Property Address	103 RIVER RD, ORANGE PARK, FL 32073-3006
Document Number	0042360605
Book / Page	004236 / 000605
Instrument Date	Sep 17, 2019
Instrument	52142
Transaction Type	Transfer
Record Updated	Nov 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1876 VISTA LAKES DR FLEMING ISLAND FL 320037311, FLEMING ISLAND, FL 32003-7311

Tax Assessment & Valuation

The 2025 property tax bill for 103 River Rd was $20,324 with a homeowner's exemption, up 5.8% from the year before.

Source: Clay County assessment roll, as of December 3, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Clay County
Municipality	Orange Park Town
Unified School District	Clay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$20,324.00 (+5.8%) Homeowner's exemption	$1,161,714	$1,218,742 Land $426,250 Building $792,492
2024	$19,210.00 (+1.6%)
2023	$18,908.00 (+2.37%) Homeowner's exemption	$1,096,092 (+3%)	$1,180,428 (+10.93%) Land $426,250 Building $754,178
2022	$18,471.00 Homeowner's exemption	$1,064,167 Land $426,250 Building $637,917	$1,064,167 Land $426,250 Building $637,917

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

Flood

FEMA maps place 103 River Rd 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 July 6, 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 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	5 (2004–2017)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 2 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 103 River Rd is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	TOWN OF ORANGE PARK serves 8,668 people · EPA ID FL2101182
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 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	11 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 49 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 / 250

May also be available: AT&T, Verizon.

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