163 Passage Dr, Fleming Island, FL 32003 Property Records

Clay County property record for 163 Passage Dr, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,836 sqft · built 1989
Lot Size	0.684 acres (29,838 sqft)
Owner	Individual Name on File
Last Sale	$900,000 (Jan 2017)
Tax Bill	$11,383 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`41-05-26-015195-001-11`

Property Details

APN / Parcel Number

Primary APN	`41-05-26-015195-001-11`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,836 sqft Heated Area
Gross Area	5,218 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	29,838 sqft (0.684 acres)
Lot Dimensions	269 ft deep x 111 ft wide
Garage Area	630 sqft

Exterior Amenities

Pool Area	512 sqft
Porch	Porch
Porch Area	752 sqft
Deck Area	231 sqft
Fence	Fence
Pond	Pond
Boat Access	Boat Access
Boat House	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	163 PASSAGE DR
City	FLEMING ISLAND
State	FL
Zip	32003-8321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 11 RIVER PASSAGE AS REC OR 3939 PG 636
Legal Range	26
Legal Township	05
Legal Section	41
Legal Subdivision	RIVER PASSAGE
Legal Lot Number	11
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2001
Census Tract	30701

Owner

163 Passage Dr is owned and occupied by an individual who bought it in January 2017.

Source: Clay County records, as of December 18, 2025

Owner of Record	Individual Name on File
Mailing Address	163 PASSAGE DR, FLEMING ISLAND, FL 32003-8321
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Jul 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU
Jan 30, 2017	Warranty Deed, Transfer VYSTAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2017 · Amount on File
Deed Sale	Jan 30, 2017 · Amount on File
Prior Sale	Aug 1, 2002 · Amount on File
Deed Document Number	2017004955
Deed Book / Page	3939 / 0636
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	163 PASSAGE DR, FLEMING ISLAND, FL 32003-8321
Transaction Type	Mortgage
Record Updated	Dec 6, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	163 PASSAGE DR, FLEMING ISLAND, FL 32003-8321

Mortgage

Document Number	0045380228
Date	Nov 22, 2021
Book Page	4538/228
Instrument	2021073878

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Dec 1, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	163 PASSAGE DR, FLEMING ISLAND, FL 32003-8321
Transaction Type	Mortgage
Record Updated	Jul 23, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	163 PASSAGE DR, FLEMING ISLE, FL 32003-8321

Mortgage

Document Number	0044791105
Date	Jul 7, 2021
Book Page	4479/1105
Instrument	2021042040

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2051

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jan 30, 2017
Property Address	163 PASSAGE DR, FLEMING ISLAND, FL 32003-8321
Document Number	0039390636
Book / Page	003939 / 000636
Instrument Date	Jan 23, 2017
Instrument	4955
Transaction Type	Transfer
Record Updated	May 23, 2017
Title Company	WATSON TITLE SERVICES/N FL INC, WATSON TITLE SVCS/N FL INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	163 PASSAGE DR FLEMING ISLAND FL 320038321, FLEMING ISLAND, FL 32003-8321

Mortgage

Document Number	39390638
Date	Jan 30, 2017
Book Page	003939/000638
Instrument	4956

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 29, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%

Mortgage

Document Number	39390660,
Date	Jan 30, 2017
Book Page	003939/000660
Instrument	4957

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 29, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 163 Passage Dr was $11,383 with a homeowner's exemption.

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	$11,383.00 Homeowner's exemption	$786,459	$1,185,404 Land $537,795 Building $647,609
2023	$10,992.00 (+3.97%) Homeowner's exemption	$742,034 (+3%)	$1,051,917 (+15.46%) Land $430,236 Building $621,681
2022	$10,572.00 Homeowner's exemption	$720,422	$911,037 Land $376,457 Building $534,580

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

Flood

FEMA maps place 163 Passage Dr in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 191 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	191 in force
Nearby Flood Claims	57 (1980–2024)
Claims Outside the SFHA	31 of 57
Most Recent Claim	Sep 2024 · other causes
Claims by Event	Hurricane Nicole, Nov 2022 · 2 claims Hurricane Irma, Sep 2017 · 38 claims Hurricane Frances, Sep 2004 · 5 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

Wildfire risk around 163 Passage Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 156 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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