1684 Waters Edge Dr, Fleming Island, FL 32003 Property Records

Clay County property record for 1684 Waters Edge Dr, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,470 sqft · built 2002
Lot Size	0.284 acres (12,375 sqft)
Owner	2 Owner Names on File
Last Sale	$313,800 (Oct 2002)
Tax Bill	$5,610 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-04-26-021262-033-47`

Property Details

APN / Parcel Number

Primary APN	`31-04-26-021262-033-47`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,470 sqft Heated Area
Gross Area	4,689 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,375 sqft (0.284 acres)
Garage Area	546 sqft

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	360 sqft
Porch	Porch
Porch Area	508 sqft
Patio Area	165 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1684 WATERS EDGE DR
City	FLEMING ISLAND
State	FL
Zip	32003-8699
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 47 RIVERGATE AS REC O R 2114 PG 552
Legal Range	26
Legal Township	04
Legal Section	31
Legal Subdivision	RIVERGATE/EAGLE HARBOR
Legal Lot Number	47
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	1
Census Block	1001
Census Tract	30704

Owner

The current owner of 1684 Waters Edge Dr bought it in October 2002.

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

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

Owner of Record	2 Owner Names on File
Mailing Address	1684 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8699
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2002 · Amount on File
Deed Sale	Oct 28, 2002 · Amount on File
Prior Sale	May 24, 2002 · Amount on File
Deed Document Number	200265685
Deed Book / Page	2114 / 0552
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1684 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8699
Transaction Type	Mortgage
Record Updated	Mar 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1684 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8699

Mortgage

Document Number	0047950745
Date	Feb 15, 2024
Book Page	4795/745
Instrument	2024007180

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	239 Months
Due	Jan 1, 2044

Tax Assessment & Valuation

The 2025 property tax bill for 1684 Waters Edge Dr was $5,610 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	$5,610.00 Homeowner's exemption	$407,984	$677,936 Land $75,000 Building $602,936
2023	$7,674.00 (+4.76%) Homeowner's exemption	$384,938 (+3%)	$652,933 (+30.3%) Land $75,000 Building $577,933
2022	$7,325.00 Homeowner's exemption	$373,727	$501,099 Land $63,000 Building $438,099

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

Flood

FEMA maps place 1684 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 46 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	46 in force
Nearby Flood Claims	2 (2017)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 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 1684 Waters Edge Dr is low, with less than 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 96% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

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 Fixed Wireless	100 / 20