Clay County property record for 1653 Waters Edge Dr, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,917 sqft · built 2001 |
| Lot Size | 0.239 acres (10,418 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $255,200 (Dec 2001) |
| Tax Bill | $4,200 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit Apr 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-04-26-021262-034-34 |
| Primary APN | 31-04-26-021262-034-34 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,917 sqft Heated Area |
| Gross Area | 4,013 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,418 sqft (0.239 acres) |
| Garage Area | 441 sqft |
| Porch | Porch |
| Porch Area | 655 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1653 WATERS EDGE DR |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-8698 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 34 WATERS EDGE AS REC O R2002 PG 1171 |
| Legal Range | 26 |
| Legal Township | 04 |
| Legal Section | 31 |
| Legal Subdivision | WATERS EDGE/EAGLE HARBOR |
| Legal Lot Number | 34 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 30704 |
Source: Clay County records, as of December 18, 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 Record |
|---|---|
| Mailing Address | 1653 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8698 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Nov 27, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Apr 10, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jul 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP |
| May 17, 2018 | Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 17, 2001 · Amount on Record |
| Deed Sale | Dec 17, 2001 · Amount on Record |
| Deed Document Number | 200159584 |
| Deed Book / Page | 2002 / 1171 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 1653 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8698 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1653 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8698 |
| Document Number | 0047751918 |
|---|---|
| Date | Nov 27, 2023 |
| Book Page | 4775/1918 |
| Instrument | 2023057952 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Dec 15, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 1653 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8698 |
| Transaction Type | Mortgage |
| Record Updated | May 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1653 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8698 |
| Document Number | 0047082189 |
|---|---|
| Date | Apr 10, 2023 |
| Book Page | 4708/2189 |
| Instrument | 2023016823 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 28, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 1653 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8698 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2021 |
| Title Company | FIRST INTEGRITY TITLE |
| Name | Verified Name |
|---|---|
| Address | 1653 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8698 |
| Document Number | 0044851293 |
|---|---|
| Date | Jul 21, 2021 |
| Book Page | 4485/1293 |
| Instrument | 2021045303 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Address | AURORA, CO 80014 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 1653 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8698 |
| Document Number | 0040861692 |
| Instrument Date | May 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1653 WATERS EDGE DR FLEMING ISLAND FL 320038698, FLEMING ISLAND, FL 32003-8698 |
| Document Number | 0040861692 |
|---|---|
| Date | May 24, 2018 |
| Book Page | 004086/001692 |
| Instrument | 26627 |
| Name | SPRING EQ LLC |
|---|---|
| Address | PHILADELPHIA, PA 19104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 23, 2038 |
Source: Clay County assessment roll, as of July 1, 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 | $4,200.00 (-30.74%) Homeowner's exemption | $315,551 (+5.99%) | $535,777 (+12.05%) Land $75,000 Building $460,777 |
| 2023 | $6,064.00 (+5.46%) Homeowner's exemption | $297,727 (+3%) | $478,142 (+15.58%) Land $75,000 Building $403,142 |
| 2022 | $5,750.00 Homeowner's exemption | $289,056 | $413,704 Land $50,000 Building $363,704 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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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