Clay County property record for 1038 Fleming St, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,228 sqft · built 2022 |
| Lot Size | 0.166 acres (7,232 sqft) |
| Owner | 2 Individuals on Record |
| Tax Bill | $1,802 (2025) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 38-05-26-014841-001-00 |
| Primary APN | 38-05-26-014841-001-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,228 sqft Living Area |
| Gross Area | 2,669 sqft |
| 1st Floor Area | 2,228 sqft |
| Flooring | Tile |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 7,232 sqft (0.166 acres) |
| Lot Dimensions | 123 ft deep x 120 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Finished/Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1038 FLEMING ST |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-9344 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 19 BLK 9 FLEMING ISL ESTATES OR 4691 PG 1787 |
| Legal Subdivision | FLEMING ISL ESTATES |
| Legal Block | 9 |
| Legal Lot Number | 19 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 30701 |
Source: Clay County assessment roll, as of December 3, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individuals on Record |
|---|---|
| Mailing Address | 1038 FLEMING ST, FLEMING ISLAND, FL 32003-9344 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Feb 23, 2023 |
| Property Address | 1038 FLEMING ST, FLEMING ISLAND, FL 32003-9344 |
| Document Number | 0046911787 |
| Book / Page | 4691 / 1787 |
| Map Reference | MB 4 PG 61&62 |
| Instrument Date | Feb 16, 2023 |
| Instrument | 2023008203 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2024 |
| Title Company | LAND TITLE/AMERICA INC, LAND TITLE OF AMERICA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,660.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 153 BRANSCOMB RD, GREEN COVE SPRINGS, FL 32043-9531 |
| Name | Verified Name |
|---|---|
| Address | 1038 FLEMING ST, FLEMING ISLAND, FL 32003-9344 |
| Document Number | 0046911789 |
|---|---|
| Date | Feb 23, 2023 |
| Instrument | 4691/1789 |
| Name | AMERANT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2053 |
Source: Clay County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,802.00 (+5.26%) Homeowner's exemption Disabled Person's exemption | $163,300 (-59.49%) | $330,958 (-17.91%) Land $50,000 Building $280,958 |
| 2024 | $1,712.00 (-40.37%) | ||
| 2023 | $2,871.00 (+529.61%) | $403,149 (+1,243.83%) Land $50,000 Building $353,149 | $403,149 (+1,243.83%) Land $50,000 Building $353,149 |
| 2022 | $456.00 | $30,000 Land $30,000 | $30,000 Land $30,000 |
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 July 6, 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 191 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 191 in force |
| Nearby Flood Claims | 57 (1980–2024) |
| Claims Outside the SFHA | 31 of 57 |
| Most Recent Claim | Sep 2024 · other causes |
| Claims by Event |
|
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 80% of the US · lower than 93% 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: FCC Broadband Data Collection, based on 215 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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