1605 Waters Edge Dr, Fleming Island, FL 32003 Property Records

Clay County property record for 1605 Waters Edge Dr, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,585 sqft · built 2002
Lot Size	0.234 acres (10,227 sqft)
Owner	Individual Name on File
Last Sale	$369,600 (Jan 2021)
Tax Bill	$5,452 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-04-26-021262-034-59`

Property Details

APN / Parcel Number

Primary APN	`30-04-26-021262-034-59`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,585 sqft Heated Area
Gross Area	3,198 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,227 sqft (0.234 acres)
Garage Area	433 sqft
Porch	Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1605 WATERS EDGE DR
City	FLEMING ISLAND
State	FL
Zip	32003-8697
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 59 WATERS EDGE AS REC O R4400 PG 901
Legal Range	26
Legal Township	04
Legal Section	30
Legal Subdivision	WATERS EDGE/EAGLE HARBOR
Legal Lot Number	59
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	3
Census Block	3011
Census Tract	30704

Owner

Source: Clay County records · APN 30-04-26-021262-034-59

Assessment roll updated July 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	1605 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8697
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF KANSAS CITY
Jan 08, 2021	Warranty Deed, Transfer · Conventional Mortgage TIAA FSB HOLDINGS INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 08, 2021 · Amount on Record
Deed Sale	Jan 08, 2021 · Amount on Record
Prior Sale	May 23, 2014 · Amount on Record
Deed Document Number	0004400901
Deed Book / Page	4400 / 901
Record Updated	Jun 08, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1605 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8697
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043340116
Date	Jul 28, 2020
Book Page	4334/116
Instrument	2020037531

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2050

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jan 08, 2021
Property Address	1605 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8697
Document Number	0044000901
Book / Page	4400 / 901
Map Reference	MB 36 PG 1-8
Instrument Date	Jan 08, 2021
Instrument	2021001460
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,587.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1605 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8697

Mortgage

Document Number	0004400903
Date	Jan 08, 2021
Instrument	4400/903

Lender

Name	TIAA FSB HOLDINGS INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Clay County
Unified School District	Clay County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,452.00 (-24.7%) Homeowner's exemption	$397,664 (+5.99%)	$473,224 (+11.9%) Land $75,000 Building $398,224
2023	$7,240.00 (+5%) Homeowner's exemption	$375,201 (+3%)	$422,888 (+16.09%) Land $75,000 Building $347,888
2022	$6,895.00 Homeowner's exemption	$364,273 Land $50,000 Building $314,273	$364,273 Land $50,000 Building $314,273

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 6, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 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

Wildfire

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 at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 USA Fixed Wireless	100 / 20

Based on FCC filings for 283 locations within half a mile of this property.

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