123 Old Hard Rd, Fleming Island, FL 32003 Property Records

Clay County property record for 123 Old Hard Rd, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,510 sqft · built 2004
Lot Size	1.42 acres (62,290 sqft)
Owner	2 Individual Names on Record
Last Sale	$20,000 (Jul 2002)
Tax Bill	$3,303 (2025)
Deeds & Mortgages	Nov 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-05-26-014231-001-00`

Property Details

APN / Parcel Number

Primary APN	`06-05-26-014231-001-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,510 sqft Heated Area
Gross Area	3,806 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	62,290 sqft (1.42 acres)
Garage Area	1,050 sqft
Porch	Porch
Porch Area	352 sqft
Patio Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	123 OLD HARD RD
City	FLEMING ISLAND
State	FL
Zip	32003-7943
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF E1/2 OF NE1/4 S6T5R26 ASREC O R 2136 PG 1995
Legal Range	26
Legal Township	05
Legal Section	06
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	1
Census Block	1009
Census Tract	30707

Owner

Source: Clay County records, as of December 18, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	123 OLD HARD RD, FLEMING ISLAND, FL 32003-7943
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2002 · Amount on Record
Deed Sale	Jul 10, 2002 · Amount on Record
Deed Document Number	0020761935
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	123 OLD HARD RD, FLEMING ISLAND, FL 32003-7943
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 OLD HARD RD, FLEMING ISLAND, FL 32003-7943

Mortgage

Document Number	0043740689
Date	Nov 9, 2020
Book Page	4374/689
Instrument	2020058603

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Clay County assessment roll, as of July 1, 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	$3,303.00 (-2.91%) Homeowner's exemption	$256,715 (+5.99%)	$557,260 (+5.84%) Land $57,200 Building $500,060
2023	$3,402.00 (+6.71%) Homeowner's exemption	$242,215 (+3%)	$526,526 (+11.43%) Land $57,200 Building $469,326
2022	$3,188.00 Homeowner's exemption	$235,161	$472,510 Land $57,200 Building $415,310

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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.

Internet Providers

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