1185 Clay St, Fleming Island, FL 32003 Property Records

Clay County property record for 1185 Clay St, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,610 sqft · built 2003
Lot Size	0.493 acres (21,475 sqft)
Owner	2 Individual Names on File
Last Sale	$194,000 (Feb 2018)
Tax Bill	$2,957 (2025)
Deeds & Mortgages	Feb 2018 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`38-05-26-014947-000-00`

Property Details

APN / Parcel Number

Primary APN	`38-05-26-014947-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,610 sqft Living Area
Gross Area	2,020 sqft
1st Floor Area	1,610 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	21,475 sqft (0.493 acres)
Lot Dimensions	215 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	410 sqft
Porch	Finished/Open Porch
Porch Area	240 sqft
Deck Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1185 CLAY ST
City	FLEMING ISLAND
State	FL
Zip	32003-9310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 5 & 6 BLK 5A FLEMING ISL ESTATES AS REC OR 4851 PG 1530
Legal Range	26E
Legal Township	05S
Legal Section	38
Legal Subdivision	FLEMING ISL ESTATES
Legal Block	5A
Legal Lot Number	5,6
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2003
Census Tract	30707

Owner

1185 Clay St is owned and occupied by two individuals who bought it in February 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1185 CLAY ST, FLEMING ISLAND, FL 32003-9310
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2018 · Amount on File
Deed Sale	Feb 26, 2018 · Amount on File
Prior Sale	Feb 4, 2008 · Amount on File
Deed Document Number	20189828
Deed Book / Page	4058 / 1981
Prior Transfer Date	Feb 23, 2018
Prior Transfer Doc	0040581981
Record Updated	Oct 29, 2026

February 2018: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	CLAY FL
Recording Date	Feb 26, 2018
Property Address	1185 CLAY ST, FLEMING ISLAND, FL 32003-9310
Document Number	0040581981
Book / Page	004058 / 001981
Instrument Date	Feb 23, 2018
Instrument	9828
Transaction Type	Foreclosure
Record Updated	Mar 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,358.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1185 CLAY ST FLEMING ISLAND FL 320039310, FLEMING ISLAND, FL 32003-9310

Mortgage

Document Number	40581983
Date	Feb 26, 2018
Book Page	004058/001983
Instrument	9829

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 25, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1185 Clay St was $2,957, up 23% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Clay County
Unified School District	Clay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,957.00 (+23%)	$239,035	$280,697 Land $70,000 Building $210,697
2024	$2,404.00 (-9.93%)
2023	$2,669.00 (+7.88%) Homeowner's exemption	$193,918 (+3%)	$280,177 (+24.98%) Land $70,000 Building $210,177
2022	$2,474.00 Homeowner's exemption	$188,270	$224,185 Land $40,000 Building $184,185

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

Flood

FEMA maps place 1185 Clay St 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 20 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	20 in force

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 1185 Clay St 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 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct 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 240 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20