Clay County property record for 1687 Waters Edge Dr, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,988 sqft · built 2003 |
| Lot Size | 0.244 acres (10,666 sqft) |
| Owner | Individual Name on File |
| Last Sale | $420,000 (Oct 2020) |
| Tax Bill | $5,082 (2025) |
| Deeds & Mortgages | Jan 2017 Mortgage Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-04-26-021262-033-03 |
| Primary APN | 31-04-26-021262-033-03 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,988 sqft Heated Area |
| Gross Area | 4,105 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,666 sqft (0.244 acres) |
| Garage Area | 716 sqft |
| Porch | Porch |
| Porch Area | 191 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1687 WATERS EDGE DR |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-8694 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 3 RIVERGATE AS REC O R 4365 PG 466 |
| Legal Range | 26 |
| Legal Township | 04 |
| Legal Section | 31 |
| Legal Subdivision | RIVERGATE/EAGLE HARBOR |
| Legal Lot Number | 3 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 30704 |
1687 Waters Edge Dr is owned and occupied by an individual who bought it in October 2020.
Source: Clay County records, as of December 18, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1687 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8694 |
| 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 |
|---|---|
| Jan 11, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA |
| Oct 15, 2020 | Warranty Deed, Transfer · Conventional Mortgage EASTMAN CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 15, 2020 · Amount on File |
| Deed Sale | Oct 15, 2020 · Amount on File |
| Prior Sale | Apr 1, 2003 · Amount on File |
| Deed Document Number | 2020053781 |
| Deed Book / Page | 4365 / 466 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 1687 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8694 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0039332152 |
|---|---|
| Date | Jan 11, 2017 |
| Book Page | 3933/2152 |
| Instrument | 2017001641 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Oct 15, 2020 |
| Property Address | 1687 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8694 |
| Document Number | 0043650466 |
| Book / Page | 4365 / 466 |
| Map Reference | MB 36 PG 9-13 |
| Instrument Date | Oct 15, 2020 |
| Instrument | 2020053781 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,940.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 65 SHELTER COVE LN # LN251, 65, HILTON HEAD, SC 29928-2505 |
| Name | Verified Name |
|---|---|
| Address | 458 S CENTRAL AVE, CHURCH HILL, TN 37642-3602 |
| Document Number | 0004365468 |
|---|---|
| Date | Oct 15, 2020 |
| Instrument | 4365/468 |
| Name | EASTMAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 1687 Waters Edge Dr was $5,082 with exemptions applied.
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 | $5,082.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $393,347 | $570,776 Land $75,000 Building $495,776 |
| 2023 | $7,161.00 (+4.74%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $371,129 (+5.23%) | $547,879 (+31.58%) Land $75,000 Building $472,879 |
| 2022 | $6,837.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $352,683 | $416,369 Land $63,000 Building $353,369 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1687 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.
Wildfire risk around 1687 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.
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 |
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