138 Passage Dr, Fleming Island, FL 32003 Property Records

Clay County property record for 138 Passage Dr, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,260 sqft · built 1995
Lot Size	0.555 acres (24,219 sqft)
Owner	Individual Name on File
Last Sale	$965,000 (Jun 2020)
Tax Bill	$11,798 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`41-05-26-015195-001-13`

Property Details

APN / Parcel Number

Primary APN	`41-05-26-015195-001-13`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,260 sqft Heated Area
Gross Area	4,999 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	24,219 sqft (0.555 acres)
Lot Dimensions	240 ft deep x 101 ft wide
Garage Area	1,038 sqft

Exterior Amenities

Pool Area	512 sqft
Porch	Porch
Porch Area	701 sqft
Boat Access	Boat Access
Boat House	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	138 PASSAGE DR
City	FLEMING ISLAND
State	FL
Zip	32003-8077
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 13 RIVER PASSAGE AS REC OR 4323 PG 96
Legal Range	26
Legal Township	05
Legal Section	41
Legal Subdivision	RIVER PASSAGE
Legal Lot Number	13
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2001
Census Tract	30701

Owner

138 Passage Dr is owned and occupied by an individual who bought it in June 2020.

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

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
Co-owner	Co-owner on File
Mailing Address	138 PASSAGE DR, FLEMING ISLAND, FL 32003-8077
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK
Mar 31, 2017	Warranty Deed, Transfer · Conventional Mortgage GSF MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2020 · Amount on File
Deed Sale	Jun 26, 2020 · Amount on File
Prior Sale	Mar 31, 2017 · Amount on File
Deed Document Number	2020031820
Deed Book / Page	4323 / 96
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jun 26, 2020
Property Address	138 PASSAGE DR, FLEMING ISLAND, FL 32003-8077
Document Number	0043230096
Book / Page	4323 / 96
Map Reference	MB 21 PG 46-48
Instrument Date	Jun 22, 2020
Instrument	2020031820
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	WATSON TTL SVC OF NORTH FL I

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,755.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	714 DOVE CREEK CIR, 714, ORANGE PARK, FL 32073-4298

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 PASSAGE DR, FLEMING ISLAND, FL 32003-8077

Mortgage

Document Number	432398
Date	Jun 26, 2020
Instrument	4323/98

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Mar 31, 2017
Property Address	138 PASSAGE DR, FLEMING ISLAND, FL 32003-8077
Document Number	0039580232
Book / Page	3958 / 0232
Map Reference	MB21 PG46-48
Instrument Date	Mar 29, 2017
Instrument	2017015967
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,901.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 PASSAGE DR, FLEMING ISLAND, FL 32003-8077

Mortgage

Document Number	2017015968
Date	Mar 31, 2017
Instrument	2017015968

Lender

Name	GSF MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 138 Passage Dr was $11,798 with a homeowner's exemption.

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	$11,798.00 Homeowner's exemption	$813,688	$1,135,908 Land $474,700 Building $661,208
2023	$11,382.00 (+3.93%) Homeowner's exemption	$767,726 (+3%)	$1,030,134 (+18.65%) Land $379,760 Building $650,374
2022	$10,952.00 Homeowner's exemption	$745,366	$868,194 Land $332,290 Building $535,904

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

Flood

FEMA maps place 138 Passage Dr in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 191 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	191 in force
Nearby Flood Claims	57 (1980–2024)
Claims Outside the SFHA	31 of 57
Most Recent Claim	Sep 2024 · other causes
Claims by Event	Hurricane Nicole, Nov 2022 · 2 claims Hurricane Irma, Sep 2017 · 38 claims Hurricane Frances, Sep 2004 · 5 claims

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 138 Passage Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 156 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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