1608 Waters Edge Dr, Fleming Island, FL 32003 Property Records

Clay County property record for 1608 Waters Edge Dr, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 2,906 sqft · built 2002
Lot Size	0.2 acres (8,717 sqft)
Owner	2 Owner Names on File
Last Sale	$288,000 (Apr 2004)
Tax Bill	$4,308 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-04-26-021262-034-77`

Property Details

APN / Parcel Number

Primary APN	`30-04-26-021262-034-77`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,906 sqft Heated Area
Gross Area	3,746 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,717 sqft (0.2 acres)
Garage Area	440 sqft
Porch	Porch
Porch Area	400 sqft
Patio Area	170 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1608 WATERS EDGE DR
City	FLEMING ISLAND
State	FL
Zip	32003-8692
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 77 WATERS EDGE AS REC O R2357 PG 836
Legal Range	26
Legal Township	04
Legal Section	30
Legal Subdivision	WATERS EDGE/EAGLE HARBOR
Legal Lot Number	77
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	3
Census Block	3011
Census Tract	30704

Owner

Source: Clay County records · APN 30-04-26-021262-034-77

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	2 Owner Names on File
Mailing Address	1608 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8692
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Mar 01, 2021	Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC
Apr 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage HOMEWOWENERSN MORTGAGE ENTERPRISES
Feb 26, 2018	Deed of Trust, Mortgage · Line of Credit VYSTAR CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 14, 2004 · Amount on Record
Deed Sale	Apr 14, 2004 · Amount on Record
Prior Sale	Apr 17, 2002 · Amount on Record
Deed Document Number	200432212
Deed Book / Page	2357 / 0836
Record Updated	Jun 08, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1608 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8692
Transaction Type	Mortgage
Record Updated	Mar 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1608 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8692

Mortgage

Document Number	0044220736
Date	Mar 01, 2021
Book Page	4422/736
Instrument	2021012359

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	177 Months
Due	Dec 01, 2035

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1608 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8692
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039621723
Date	Apr 17, 2017
Book Page	3962/1723
Instrument	2017018680

Lender

Name	HOMEWOWENERSN MORTGAGE ENTERPRISES
Type	Non-Lending Institution
Address	COLUMBIA, SC 29201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 01, 2032

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1608 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8692
Document Number	0040601365
Instrument Date	Feb 26, 2018
Transaction Type	Mortgage
Record Updated	Mar 13, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1608 WATERS EDGE DR FLEMING ISLAND FL 320038692, FLEMING ISLAND, FL 32003-8692

Mortgage

Document Number	0040601365
Date	Mar 02, 2018
Book Page	004060/001365
Instrument	10838

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 01, 2028

Interest

Rate Type	Adjustable Rate

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	$4,308.00 (-30.12%) Homeowner's exemption	$322,621 (+5.99%)	$545,961 (+12.08%) Land $75,000 Building $470,961
2023	$6,165.00 (+5.4%) Homeowner's exemption	$304,398 (+3%)	$487,102 (+15.65%) Land $75,000 Building $412,102
2022	$5,849.00 Homeowner's exemption	$295,533	$421,182 Land $50,000 Building $371,182

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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% 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)
AT&T Fiber	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 257 locations within half a mile of this property.

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