1685 Covington Ln, Fleming Island, FL 32003 Property Records

Clay County property record for 1685 Covington Ln, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,979 sqft · built 2003
Lot Size	0.177 acres (7,750 sqft)
Owner	Individual Name on Record
Last Sale	$257,500 (Sep 2020)
Tax Bill	$3,165 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-05-26-014266-029-27`

Property Details

APN / Parcel Number

Primary APN	`16-05-26-014266-029-27`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,979 sqft Heated Area
Gross Area	2,673 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,750 sqft (0.177 acres)
Garage Area	400 sqft
Porch	Porch
Porch Area	294 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1685 COVINGTON LN
City	FLEMING ISLAND
State	FL
Zip	32003-3374
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 27 COVINGTON AS REC O R 4359 PG 190
Legal Range	26
Legal Township	05
Legal Section	16
Legal Subdivision	COVINGTON
Legal Lot Number	27
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2000
Census Tract	30707

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1685 COVINGTON LN, FLEMING ISLAND, FL 32003-3374
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2020 · Amount on Record
Deed Sale	Sep 29, 2020 · Amount on Record
Prior Sale	Aug 11, 2015 · Amount on Record
Deed Document Number	2020050443
Deed Book / Page	4359 / 190
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Sep 29, 2020
Property Address	1685 COVINGTON LN, FLEMING ISLAND, FL 32003-3374
Document Number	0043590190
Book / Page	4359 / 190
Map Reference	MB 38 PG 71-76
Instrument Date	Sep 28, 2020
Instrument	2020050443
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,802.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1685 COVINGTON LN, FLEMING ISLAND, FL 32003-3374

Mortgage

Document Number	0004359192
Date	Sep 29, 2020
Instrument	4359/192

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

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	$3,165.00 (-36.67%) Homeowner's exemption	$247,706 (+5.99%)	$342,349 (+3.41%) Land $60,000 Building $282,349
2023	$4,998.00 (+5.2%) Homeowner's exemption	$233,714 (+3%)	$331,073 (+9.09%) Land $60,000 Building $271,073
2022	$4,751.00 Homeowner's exemption	$226,907	$303,497 Land $50,000 Building $253,497

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

Flood

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 20 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	20 in force

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

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Hotwire Communications.

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