1281 Cutlass Rd, Orange Park, FL 32065 Property Records

Clay County property record for 1281 Cutlass Rd, Orange Park, FL 32065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,147 sqft · built 1994
Lot Size	0.212 acres (9,223 sqft)
Owner	Individual Name on File
Last Sale	$352,000 (Feb 2022)
Tax Bill	$3,983 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-04-25-007969-094-19`

Property Details

APN / Parcel Number

Primary APN	`21-04-25-007969-094-19`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,147 sqft Living Area
1st Floor Area	2,147 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,223 sqft (0.212 acres)
Garage Area	324 sqft

Exterior Amenities

Pool Area	377 sqft
Porch	Finished/Open Porch
Porch Area	53 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1281 CUTLASS RD
City	ORANGE PARK
State	FL
Zip	32065-6674
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Description	PT OF LOTS 19 & 20 BEAR RUN UNIT 6 AS REC OR 4571 PG 1129
Legal Range	25E
Legal Township	04S
Legal Section	21
Legal Subdivision	BEAR RUN UNIT 6
Legal Lot Number	19,20
Legal Unit	6
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	3
Census Block	3002
Census Tract	30903

Owner

1281 Cutlass Rd is owned and occupied by an individual who bought it in February 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1281 CUTLASS RD, ORANGE PARK, FL 32065-6674
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2022	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 8, 2019	Warranty Deed, Transfer · Conventional with PMI TIAA FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2022 · Amount on File
Deed Sale	Feb 15, 2022 · Amount on File
Prior Sale	Apr 8, 2019 · Amount on File
Deed Document Number	202210104
Deed Book / Page	4571 / 1129
Prior Transfer Date	Sep 18, 2003
Prior Transfer Doc	0022840354
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Feb 15, 2022
Property Address	1281 CUTLASS RD, ORANGE PARK, FL 32065-6674
Document Number	0045711129
Book / Page	4571 / 1129
Map Reference	MB 23 PG 49&50
Instrument Date	Feb 2, 2022
Instrument	2022010104
Transaction Type	Transfer
Record Updated	Mar 8, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,464.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3887 RIBBON WOOD LN # 414, 3887, MIDDLEBURG, FL 32068-4196

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1281 CUTLASS RD, ORANGE PARK, FL 32065-6674

Mortgage

Document Number	0045711131
Date	Feb 15, 2022
Instrument	4571/1131

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Apr 8, 2019
Property Address	1281 CUTLASS RD, ORANGE PARK, FL 32065-6674
Document Number	0041791869
Book / Page	004179 / 001869
Instrument Date	Apr 8, 2019
Instrument	17490
Transaction Type	Transfer
Record Updated	Apr 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1281 CUTLASS RD ORANGE PARK FL 320656674, ORANGE PARK, FL 32065-6674

Mortgage

Document Number	41791872
Date	Apr 8, 2019
Book Page	004179/001872
Instrument	17491

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 7, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1281 Cutlass Rd was $3,983 with a homeowner's exemption, up 2.5% 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	$3,983.00 (+2.5%) Homeowner's exemption	$301,334 Land $40,000 Building $261,334	$301,334 Land $40,000 Building $261,334
2024	$3,886.00 (-9.48%)
2023	$4,293.00 (+101.17%) Homeowner's exemption	$300,898 (+81.34%) Land $40,000 Building $260,898	$300,898 (+16.66%) Land $40,000 Building $260,898
2022	$2,134.00 Homeowner's exemption	$165,931	$257,926 Land $35,000 Building $222,926

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1281 Cutlass Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2009.

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 23 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	4 (2009–2018)
Claims Outside the SFHA	1 of 4
Most Recent Claim	May 2018 · rainfall accumulation

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 1281 Cutlass Rd is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 286 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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