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1040 Clay St, Fleming Island, FL 32003 Property Records

Clay County property record for 1040 Clay St, Fleming Island, FL 32003

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,586 sqft · built 1984
Lot Size0.338 acres (14,723 sqft)
Owner2 Individual Names on Record
Tax Bill$1,338 (2025)
Deeds & MortgagesOct 2021 Transfer
Jan 2017 Line of Credit
Flood ZoneZone X (minimal risk)
APN38-05-26-014814-000-00

Property Details

APN / Parcel Number

Primary APN38-05-26-014814-000-00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms3 Rooms
Stories1 Story
Building Area1,586 sqft Living Area
Gross Area2,394 sqft
1st Floor Area1,586 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1984
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialOther
Lot Area14,723 sqft (0.338 acres)
Lot Dimensions123 ft deep x 120 ft wide
Garage TypeAttached
Garage Area580 sqft
PorchFinished Screened Porch
Porch Area304 sqft
Patio Area48 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address1040 CLAY ST
CityFLEMING ISLAND
StateFL
Zip32003-9309
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 20 & 21 BLK 3 FLEMING ISL ESTATES AS REC OR 844 PG 282 & 1132 PG 461, 4521 PG 1790
Legal Range26E
Legal Township05S
Legal Section38
Legal SubdivisionFLEMING ISL ESTATES
Legal Block3
Legal Lot Number20,21
JurisdictionCLAY FL
Township / Civil DivisionORANGE PARK
Census Block Group2
Census Block2022
Census Tract30701

Owner

Source: Clay County records, 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 Record2 Individual Names on Record
Mailing Address1040 CLAY ST, FLEMING ISLAND, FL 32003-9309
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 13, 2021Intrafamily Transfer, Transfer
ATTORNEY
Jan 9, 2017Deed of Trust, Mortgage · Line of Credit
VYSTAR CU

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateSep 20, 2021
Transfer Doc0045211790
Record UpdatedJun 8, 2026

October 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCLAY FL
Recording DateOct 13, 2021
Property Address1040 CLAY ST, FLEMING ISLAND, FL 32003-9309
Document Number0045211790
Book / Page4521 / 1790
Map ReferenceMB 4 PG 61
Instrument DateSep 20, 2021
Instrument2021064876
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address1040 CLAY ST, FLEMING ISLAND, FL 32003-9309

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY FL
Property Address1040 CLAY ST, FLEMING ISLAND, FL 32003-9309
Document Number0039341779
Book / Page003934 / 001779
Instrument DateJan 9, 2017
Transaction TypeMortgage
Record UpdatedMay 22, 2017
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
Address1040 CLAY ST FLEMING ISLAND FL 320039309, FLEMING ISLAND, FL 32003-9309

Mortgage

Document Number0039341779
DateJan 13, 2017
Book Page003934/001779
Instrument2183
Lender
NameVYSTAR CU
TypeCredit Union
AddressJACKSONVILLE, FL 32232-5085
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueJan 12, 2027
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyClay County
Unified School DistrictClay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,338.00 (+5.27%) Homeowner's exemption$127,903 (+5.99%)$275,400 (-4.22%) Land $100,000 Building $175,400
2024$1,271.00 (-18.37%)
2023$1,557.00 (+11.85%) Homeowner's exemption$120,679 (+3%)$287,546 (+31.05%) Land $100,000 Building $187,546
2022$1,392.00 Homeowner's exemption$117,165$219,419 Land $60,000 Building $159,419

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 6, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 191 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies191 in force
Nearby Flood Claims57 (1980–2024)
Claims Outside the SFHA31 of 57
Most Recent ClaimSep 2024 · other causes
Claims by Event
  • Hurricane Nicole, Nov 2022 · 2 claims
  • Hurricane Irma, Sep 2017 · 38 claims
  • Hurricane Frances, Sep 2004 · 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

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 215 locations within half a mile, as of December 31, 2025

ProviderMax 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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