Clay County property record for 115 Old Hard Rd, #A, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,382 sqft · built 1999 |
| Lot Size | 1.99 acres (86,684 sqft) |
| Owner | Individual Name on File |
| Last Sale | $300,000 (Jan 2020) |
| Tax Bill | $5,465 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-05-26-014238-000-00 |
| Primary APN | 06-05-26-014238-000-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,382 sqft Heated Area |
| Gross Area | 3,470 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 86,684 sqft (1.99 acres) |
| Garage Area | 572 sqft |
| Pool Area | 1,420 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 205 sqft |
| Patio Area | 311 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 115 OLD HARD RD # A, A |
|---|---|
| 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 S6T5R26 AS REC O R 4265 PG 1781 |
| 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 |
115 Old Hard Rd, #A is owned and occupied by an individual who bought it in January 2020.
Source: Clay County records, as of December 18, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 115 OLD HARD RD # A, A, 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.
| Date | Document |
|---|---|
| Mar 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 2, 2020 | Warranty Deed, Transfer · Conventional Mortgage FIRST OPTION MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 2, 2020 · Amount on File |
| Deed Sale | Jan 2, 2020 · Amount on File |
| Prior Sale | Sep 17, 2001 · Amount on File |
| Deed Document Number | 2020000181 |
| Deed Book / Page | 4265 / 1781 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 115 OLD HARD RD # A, A, FLEMING ISLAND, FL 32003-7993 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2022 |
| Name | Verified Name |
|---|---|
| Address | 115A OLD HARD RD, FLEMING ISLAND, FL 32003-7993 |
| Document Number | 0044271871 |
|---|---|
| Date | Mar 11, 2021 |
| Book Page | 4427/1871 |
| Instrument | 2021015127 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jan 2, 2020 |
| Property Address | 115 OLD HARD RD # A, A, FLEMING ISLAND, FL 32003-7993 |
| Document Number | 0042651781 |
| Book / Page | 4265 / 1781 |
| Instrument Date | Dec 31, 2019 |
| Instrument | 2020000181 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2022 |
| Title Company | LANDMARK TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,100.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 115D OLD HARD RD, 115D, FLEMING ISLAND, FL 32003-7993 |
| Name | Verified Name |
|---|---|
| Address | 115A OLD HARD RD, FLEMING ISLAND, FL 32003-7993 |
| Document Number | 0042651783 |
|---|---|
| Date | Jan 2, 2020 |
| Instrument | 4265/1783 |
| Name | FIRST OPTION MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
The 2025 property tax bill for 115 Old Hard Rd, #A was $5,465 with a homeowner's exemption.
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 | $5,465.00 Homeowner's exemption | $398,498 | $542,975 Land $79,600 Building $463,375 |
| 2023 | $5,434.00 (+5.23%) Homeowner's exemption | $375,989 (+3%) | $521,101 (+12.97%) Land $79,600 Building $441,501 |
| 2022 | $5,164.00 Homeowner's exemption | $365,038 | $461,287 Land $79,600 Building $381,687 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 115 Old Hard Rd, #A 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 115 Old Hard Rd, #A 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 64% of the US · lower than 90% 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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