Clay County property record for 120 Dover Bluff Dr, Orange Park, FL 32073
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,437 sqft · built 1999 |
| Lot Size | 0.203 acres (8,857 sqft) |
| Owner | Individual Name on File |
| Last Sale | $259,000 (Mar 2023) |
| Tax Bill | $3,918 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Mar 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-04-25-007865-007-71 |
| Primary APN | 03-04-25-007865-007-71 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,437 sqft Living Area |
| Gross Area | 1,921 sqft |
| 1st Floor Area | 1,437 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Logs |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 8,857 sqft (0.203 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 24 sqft |
| Patio Area | 195 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 120 DOVER BLUFF DR |
|---|---|
| City | ORANGE PARK |
| State | FL |
| Zip | 32073-7666 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RE |
| Legal Description | LOT 71 OLDE SUTTON OAKS AS REC OR 4701 PG 1593 |
| Legal Range | 25E |
| Legal Township | 04S |
| Legal Section | 03 |
| Legal Subdivision | OLDE SUTTON OAKS |
| Legal Lot Number | 71 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 30206 |
120 Dover Bluff Dr is owned and occupied by an individual who bought it in March 2023.
Source: Clay County records, as of March 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 120 DOVER BLUFF DR, ORANGE PARK, FL 32073-7666 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Feb 23, 2026 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Mar 20, 2023 | Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Mar 7, 2023 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 20, 2023 · Amount on File |
| Deed Sale | Mar 20, 2023 · Amount on File |
| Prior Sale | Aug 4, 2011 |
| Deed Document Number | 202312617 |
| Deed Book / Page | 4701 / 1593 |
| Prior Transfer Date | Sep 1, 2010 |
| Prior Transfer Doc | 0032772040 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 120 DOVER BLUFF DR, ORANGE PARK, FL 32073-7666 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 120 DOVER BLUFF DR, ORANGE PARK, FL 32073-7666 |
| Document Number | 0050160260 |
|---|---|
| Date | Feb 23, 2026 |
| Book Page | 5016/260 |
| Instrument | 2026008026 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | CAMPBELL, CA 95008 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Mar 20, 2023 |
| Property Address | 120 DOVER BLUFF DR, ORANGE PARK, FL 32073-7666 |
| Document Number | 0047011593 |
| Book / Page | 4701 / 1593 |
| Map Reference | MB 32 PG 52-57 |
| Instrument Date | Mar 16, 2023 |
| Instrument | 2023012617 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2023 |
| Title Company | SUNSET CAPITAL TITLE SERVICES, SUNSET CAPITAL TTL SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,813.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1915 SALT MYRTLE LN, FLEMING ISLAND, FL 32003-7064 |
| Name | Verified Name |
|---|---|
| Address | 120 DOVER BLUFF DR, ORANGE PARK, FL 32073-7666 |
| Document Number | 0047011596 |
|---|---|
| Date | Mar 20, 2023 |
| Instrument | 4701/1596 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Mar 7, 2023 |
| Property Address | 120 DOVER BLUFF DR, ORANGE PARK, FL 32073-7666 |
| Document Number | 0046942148 |
| Book / Page | 4694 / 2148 |
| Map Reference | MB 22 PG 52-57 |
| Instrument Date | Mar 6, 2023 |
| Instrument | 2023010066 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1919 BLANDING BLVD STE 8, 8, JACKSONVILLE, FL 32210-3254 |
| Name | Verified Name |
|---|---|
| Address | 7808 CLOVER LEAF ST, JACKSONVILLE, FL 32244-6408 |
The 2025 property tax bill for 120 Dover Bluff Dr was $3,918, up 8.4% from the year before.
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 | $3,918.00 (+8.44%) | $256,940 Land $45,000 Building $211,940 | $256,940 Land $45,000 Building $211,940 |
| 2024 | $3,613.00 (+3.67%) | ||
| 2023 | $3,485.00 (+16.4%) | $242,116 (+17.99%) Land $45,000 Building $197,116 | $242,116 (+17.99%) Land $45,000 Building $197,116 |
| 2022 | $2,994.00 | $205,197 Land $40,000 Building $165,197 | $205,197 Land $40,000 Building $165,197 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 Dover Bluff Dr 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 9 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 risk around 120 Dover Bluff Dr 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 65% of the US · lower than 91% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ORANGE PARK GRID private · serves 127,904 people · EPA ID FL2100741 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 99 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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