Clay County property record for 109 Old Hard Rd, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,328 sqft · built 1950 |
| Lot Size | 1.92 acres (83,635 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,827 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-05-26-014240-000-00 |
| Primary APN | 06-05-26-014240-000-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,328 sqft Heated Area |
| Gross Area | 1,770 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 83,635 sqft (1.92 acres) |
| Porch | Porch |
|---|---|
| Porch Area | 370 sqft |
| Storage Building | 513 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Sewer | Septic |
| Street Address | 109 OLD HARD RD |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-7993 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT E1/2 OF NE1/4 O R 209 PG 230;756 PG 314;1202 PG 662; 1226PGS 718-725 |
| Legal Range | 26 |
| Legal Township | 05 |
| Legal Section | 06 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 30707 |
109 Old Hard Rd is owned and occupied by an individual who acquired it in April 1989.
Source: Clay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 OLD HARD RD, FLEMING ISLAND, FL 32003-7993 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 18, 1989 |
| Deed Sale | Apr 18, 1989 |
| Deed Document Number | 0001226718 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 109 Old Hard Rd was $2,827.
Source: Clay County assessment roll, as of July 1, 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 | $2,827.00 | $185,364 Land $76,800 Building $108,564 | $185,364 Land $76,800 Building $108,564 |
| 2023 | $3,231.00 (+15.81%) | $174,787 (+8.32%) Land $76,800 Building $97,987 | $174,787 (+8.32%) Land $76,800 Building $97,987 |
| 2022 | $2,790.00 | $161,362 Land $76,800 Building $84,562 | $161,362 Land $76,800 Building $84,562 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Old Hard Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
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 File median of 90 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 90 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.
Wildfire risk around 109 Old Hard Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| IQ Fiber Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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