1405 Florida St, Fleming Island, FL 32003 Property Records

Clay County property record for 1405 Florida St, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,557 sqft · built 2022
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,704 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-05-26-015061-001-06`

Property Details

APN / Parcel Number

Primary APN	`38-05-26-015061-001-06`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,557 sqft Living Area
Gross Area	1,956 sqft
1st Floor Area	1,557 sqft
Flooring	Carpet

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Attached
Garage Area	399 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1405 FLORIDA ST
City	FLEMING ISLAND
State	FL
Zip	32003-4569
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 38 BLK 15A FLEMING ISLAND ESTATES AS REC OR 4708 PG 2114
Legal Range	26E
Legal Township	05S
Legal Section	38
Legal Subdivision	FLEMING ISLAND ESTATES
Legal Block	15A
Legal Lot Number	38
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2003
Census Tract	30707

Owner

Source: Clay County records, as of December 3, 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	2 Individual Names on Record
Mailing Address	1405 FLORIDA ST, FLEMING ISLAND, FL 32003-4569
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2023
Deed Sale	Apr 10, 2023
Deed Document Number	202316804
Deed Book / Page	4708 / 2114
Record Updated	Sep 20, 2026

April 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Apr 10, 2023
Property Address	1405 FLORIDA ST, FLEMING ISLAND, FL 32003-4569
Document Number	0047082114
Book / Page	4708 / 2114
Map Reference	MB 4 PG 63
Instrument Date	Apr 6, 2023
Instrument	2023016804
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 9, 2024
Title Company	REALTY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,463.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	91 BRANSCOMB RD STE 17, 17, GREEN COVE SPRINGS, FL 32043-7222

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 FLORIDA ST, FLEMING ISLAND, FL 32003-4562

Mortgage

Document Number	0047082116
Date	Apr 10, 2023
Instrument	4708/2116

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Tax Assessment & Valuation

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	$3,704.00 (-0.86%) Homeowner's exemption	$283,015 (+1.1%) Land $35,000 Building $248,015	$283,015 (+1.1%) Land $35,000 Building $248,015
2024	$3,736.00 (-13.74%)
2023	$4,331.00 (+2,228.49%)	$279,945 (+1,299.73%) Land $35,000 Building $244,945	$279,945 (+1,299.73%) Land $35,000 Building $244,945
2022	$186.00	$20,000 Land $20,000	$20,000 Land $20,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% 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 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