1638 Rustling Dr, Fleming Island, FL 32003 Property Records

Clay County property record for 1638 Rustling Dr, Fleming Island, FL 32003 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,885 sqft · built 2000
Lot Size	0.162 acres (7,081 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Nov 2020)
Tax Bill	$3,095 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-04-26-021262-025-38`

Property Details

APN / Parcel Number

Primary APN	`31-04-26-021262-025-38`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,885 sqft Heated Area
Gross Area	2,489 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,081 sqft (0.162 acres)
Garage Area	400 sqft
Porch	Porch
Porch Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1638 RUSTLING DR
City	FLEMING ISLAND
State	FL
Zip	32003-8630
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 38 BROOKSTONE AS REC O R 4371 PG 1218
Legal Range	26
Legal Township	04
Legal Section	31
Legal Subdivision	BROOKSTONE/EAGLE HARBOR
Legal Lot Number	38
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	1
Census Block	1004
Census Tract	30704

Owner

Source: Clay County records · APN 31-04-26-021262-025-38

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 Individual Names on File
Mailing Address	1638 RUSTLING DR, FLEMING ISLAND, FL 32003-8630
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 02, 2020 · Amount on Record
Deed Sale	Nov 02, 2020 · Amount on Record
Prior Sale	Jun 10, 2002 · Amount on Record
Deed Document Number	2020057182
Deed Book / Page	4371 / 1218
Record Updated	Jun 08, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Nov 02, 2020
Property Address	1638 RUSTLING DR, FLEMING ISLAND, FL 32003-8630
Document Number	0043711219
Book / Page	004371 / 001219
Instrument Date	Oct 29, 2020
Instrument	57182
Transaction Type	Transfer
Record Updated	Jan 14, 2021
Title Company	REALTY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1638 RUSTLING DR ORANGE PARK FL 320038630, ORANGE PARK, FL 32003-8630

Mortgage

Document Number	43711220
Date	Nov 02, 2020
Book Page	004371/001220
Instrument	57183

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2050

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	$3,095.00 (-21.82%) Homeowner's exemption	$243,090 (+5.99%)	$342,414 (+7.06%) Land $55,000 Building $287,414
2023	$3,959.00 (+7.76%) Homeowner's exemption	$229,360 (+3%)	$319,834 (+17.11%) Land $55,000 Building $264,834
2022	$3,674.00 Homeowner's exemption	$222,680	$273,112 Land $45,000 Building $228,112

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (12019C), updated July 6, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120190307041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 46 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	46 in force 43 of 46 on primary residences
Nearby Flood Claims	2 (2017)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2017, rainfall accumulation, Hurricane Irma
Flood Events	Hurricane Irma (Sep 2017), 2 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 7% of Florida
Wildfire Likelihood	About 1 in 8,333 per year
Exposure	Indirect within ember reach

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.