1551 Rivertrace Dr, Fleming Island, FL 32003 Property Records

Clay County property record for 1551 Rivertrace Dr, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,827 sqft · built 2001
Lot Size	0.323 acres (14,050 sqft)
Owner	Individual Name on Record
Last Sale	$269,000 (Mar 2003)
Tax Bill	$3,919 (2025)
Deeds & Mortgages	Aug 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`30-04-26-021262-031-76`

Property Details

APN / Parcel Number

Primary APN	`30-04-26-021262-031-76`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,827 sqft Living Area
Gross Area	3,891 sqft
1st Floor Area	2,489 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	14,050 sqft (0.323 acres)
Garage Type	Attached
Garage Area	489 sqft
Porch	Enclosed/Finished Porch
Porch Area	701 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1551 RIVERTRACE DR
City	FLEMING ISLAND
State	FL
Zip	32003-7778
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 76 RIVERTRACE U 2 AS REC OR 2175 PG 436;3259 PG 336FJ & 3683 PG 824
Legal Range	26E
Legal Township	04S
Legal Section	30
Legal Subdivision	RIVERTRACE U 2
Legal Lot Number	76
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	3
Census Block	3011
Census Tract	30704

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	1551 RIVERTRACE DR, FLEMING ISLAND, FL 32003-7778
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2003 · Amount on Record
Deed Sale	Mar 27, 2003 · Amount on Record
Prior Sale	Nov 21, 2001 · Amount on Record
Deed Document Number	200319099
Deed Book / Page	2175 / 436
Last Transfer Date	Aug 11, 2014
Transfer Doc	0036830824
Record Updated	Jun 8, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1551 RIVERTRACE DR, FLEMING ISLAND, FL 32003-7778
Document Number	0040030488
Book / Page	004003 / 000488
Instrument Date	Aug 9, 2017
Transaction Type	Mortgage
Record Updated	Sep 12, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1551 RIVERTRACE DR FLEMING ISLAND FL 320037778, FLEMING ISLAND, FL 32003-7778

Mortgage

Document Number	0040030488
Date	Aug 16, 2017
Book Page	004003/000488
Instrument	41814

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5065

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 15, 2027

Interest

Rate Type	Adjustable Rate

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	$3,919.00 (+4.79%) Homeowner's exemption	$297,134 (+5.99%)	$544,677 (+3.32%) Land $95,000 Building $449,677
2024	$3,740.00 (-35.52%)
2023	$5,800.00 (+5.59%) Homeowner's exemption	$280,350 (+3%)	$527,196 (+21.09%) Land $95,000 Building $432,196
2022	$5,493.00 Homeowner's exemption	$272,185	$435,360 Land $95,000 Building $340,360

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 128 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	128 in force
Nearby Flood Claims	19 (2016–2023)
Claims Outside the SFHA	2 of 19
Most Recent Claim	Dec 2023 · other causes
Claims by Event	Hurricane Nicole, Nov 2022 · 2 claims Hurricane Irma, Sep 2017 · 14 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% 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 283 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20