1515 Cedar Grove Ter, Fleming Island, FL 32003 Property Records

Clay County property record for 1515 Cedar Grove Ter, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,954 sqft · built 2001
Lot Size	0.132 acres (5,793 sqft)
Owner	2 Individual Names on Record
Last Sale	$149,428 (Sep 2001)
Tax Bill	$1,703 (2025)
Deeds & Mortgages	Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-05-26-014266-006-95`

Property Details

APN / Parcel Number

Primary APN	`08-05-26-014266-006-95`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,954 sqft Heated Area
Gross Area	2,700 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,793 sqft (0.132 acres)
Garage Area	380 sqft
Porch	Porch
Porch Area	51 sqft
Patio Area	315 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1515 CEDAR GROVE TER
City	FLEMING ISLAND
State	FL
Zip	32003-8334
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 205 WOODLANDS UNIT 1 AS REC O R 1975 PG 732
Legal Range	26
Legal Township	05
Legal Section	08
Legal Subdivision	WOODLANDS
Legal Lot Number	205
Legal Unit	1
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	3
Census Block	3004
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
Mailing Address	1515 CEDAR GROVE TER, FLEMING ISLAND, FL 32003-8334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2001 · Amount on Record
Deed Sale	Sep 14, 2001 · Amount on Record
Deed Document Number	200143341
Deed Book / Page	1975 / 0732
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1515 CEDAR GROVE TER, FLEMING ISLAND, FL 32003-8334
Document Number	0042871094
Instrument Date	Feb 22, 2020
Transaction Type	Mortgage
Record Updated	Mar 18, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1515 CEDAR GROVE TER FLEMING ISLAND FL 320038334, FLEMING ISLAND, FL 32003-8334

Mortgage

Document Number	0042871094
Date	Mar 10, 2020
Book Page	004287/001094
Instrument	13077

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 9, 2035

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	$1,703.00 (-53.02%) Homeowner's exemption	$151,862 (+5.99%)	$346,371 (+7.43%) Land $50,000 Building $296,371
2023	$3,625.00 (+6.15%) Homeowner's exemption	$143,285 (+3%)	$322,408 (+11.16%) Land $50,000 Building $272,408
2022	$3,415.00 Homeowner's exemption	$139,112	$290,050 Land $35,000 Building $255,050

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 42 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	42 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 65% of the US · lower than 91% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 275 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20