Clay County property record for 1646 Waters Edge Dr, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,540 sqft · built 2001 |
| Lot Size | 0.236 acres (10,263 sqft) |
| Owner | Individual Name on File |
| Last Sale | $350,000 (Dec 2018) |
| Tax Bill | $4,486 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-04-26-021262-034-90 |
| Primary APN | 31-04-26-021262-034-90 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 2,540 sqft Living Area |
| Gross Area | 3,363 sqft |
| 1st Floor Area | 2,221 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 10,263 sqft (0.236 acres) |
| Garage Type | Attached |
| Garage Area | 693 sqft |
| Porch | Finished Screened Porch |
| Porch Area | 438 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1646 WATERS EDGE DR |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-8674 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 90 WATERS EDGE AS REC OR 4150 PG 2085 |
| Legal Range | 26E |
| Legal Township | 04S |
| Legal Section | 31 |
| Legal Subdivision | WATERS EDGE |
| Legal Lot Number | 90 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 30704 |
1646 Waters Edge Dr is owned and occupied by an individual who bought it in December 2018.
Source: Clay County records, as of December 3, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1646 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8674 |
| 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.
| Date | Document |
|---|---|
| Mar 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING |
| Dec 19, 2018 | Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 19, 2018 · Amount on File |
| Deed Sale | Dec 19, 2018 · Amount on File |
| Prior Sale | Jan 1, 2016 · Amount on File |
| Deed Document Number | 201865834 |
| Deed Book / Page | 4150 / 2085 |
| Prior Transfer Date | Jan 29, 2016 |
| Prior Transfer Doc | 0038260615 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 1646 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8674 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1646 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8674 |
| Document Number | 0044280734 |
|---|---|
| Date | Mar 12, 2021 |
| Book Page | 4428/734 |
| Instrument | 2021015392 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75252 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Dec 19, 2018 |
| Property Address | 1646 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8674 |
| Document Number | 0041502085 |
| Book / Page | 004150 / 002085 |
| Instrument Date | Dec 13, 2018 |
| Instrument | 65834 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2019 |
| Title Company | COMPASS CLOSINGS AND TITLE SERVICES, COMPASS CLOSINGS & TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1646 WATERS EDGE DR FLEMING ISLAND FL 320038674, FLEMING ISLAND, FL 32003-8674 |
| Document Number | 41502087 |
|---|---|
| Date | Dec 19, 2018 |
| Book Page | 004150/002087 |
| Instrument | 65835 |
| Name | PRIMELENDING |
|---|---|
| Address | FLINT, MI 48501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 18, 2048 |
The 2025 property tax bill for 1646 Waters Edge Dr was $4,486 with a homeowner's exemption, up 4.8% from the year before.
Source: Clay County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,486.00 (+4.76%) Homeowner's exemption | $334,293 | $493,143 Land $75,000 Building $418,143 |
| 2024 | $4,282.00 (-32.38%) | ||
| 2023 | $6,332.00 (+5.34%) Homeowner's exemption | $315,410 (+3%) | $440,594 (+15.79%) Land $75,000 Building $365,594 |
| 2022 | $6,011.00 Homeowner's exemption | $306,224 | $380,508 Land $50,000 Building $330,508 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1646 Waters Edge Dr in Zone X, an area of minimal 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 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 File 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 |
|
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.
The area around 1646 Waters Edge Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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