1688 Covington Ln, Fleming Island, FL 32003 Property Records

Clay County property record for 1688 Covington Ln, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,732 sqft · built 2004
Lot Size	0.388 acres (16,907 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,478 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-05-26-014266-029-24`

Property Details

APN / Parcel Number

Primary APN	`16-05-26-014266-029-24`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,732 sqft Living Area
Gross Area	3,174 sqft
1st Floor Area	2,290 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	16,907 sqft (0.388 acres)
Garage Type	Attached
Garage Area	442 sqft
Pool Area	1,305 sqft
Porch	Finished/Open Porch
Porch Area	139 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1688 COVINGTON LN
City	FLEMING ISLAND
State	FL
Zip	32003-3377
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 24 COVINGTON AS REC OR 4788 PG 1058
Legal Range	26E
Legal Township	05S
Legal Section	16
Legal Subdivision	COVINGTON
Legal Lot Number	24
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 3, 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 Individual Names on Record
Mailing Address	1688 COVINGTON LN, FLEMING ISLAND, FL 32003-3377
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2024	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Mar 3, 2020	Warranty Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC
Oct 2, 2017	Warranty Deed, Transfer · FHA Mortgage NETWORK FUNDING LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2024
Deed Sale	Jan 22, 2024
Prior Sale	Mar 3, 2020 · Amount on Record
Deed Document Number	20242815
Deed Book / Page	4788 / 1058
Record Updated	Sep 20, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jan 22, 2024
Property Address	1688 COVINGTON LN, FLEMING ISLAND, FL 32003-3377
Document Number	0047881058
Book / Page	4788 / 1058
Map Reference	MB 38 PG 71-76
Instrument Date	Jan 18, 2024
Instrument	2024002815
Transaction Type	Transfer
Record Updated	Feb 8, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,710.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1688 COVINGTON LN, FLEMING ISLAND, FL 32003-3377

Mortgage

Document Number	0047881062
Date	Jan 22, 2024
Instrument	4788/1062

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Mar 3, 2020
Property Address	1688 COVINGTON LN, FLEMING ISLAND, FL 32003-3377
Document Number	0042850229
Book / Page	004285 / 000229
Instrument Date	Feb 25, 2020
Instrument	11630
Transaction Type	Transfer
Record Updated	Mar 13, 2020
Title Company	FLORIDA HOME SETTLEMENT SERVICES LLC, FLORIDA HM SETTLEMENT SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1688 COVINGTON LN FLEMING ISLAND FL 320033377, FLEMING ISLAND, FL 32003-3377

Mortgage

Document Number	42850231
Date	Mar 3, 2020
Book Page	004285/000231
Instrument	11631

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2050

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Oct 2, 2017
Property Address	1688 COVINGTON LN, FLEMING ISLAND, FL 32003-3377
Document Number	0040160721
Book / Page	4016 / 0721
Map Reference	MB38 PG71-76
Instrument Date	Sep 29, 2017
Instrument	2017049633
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3264 SUMMERBIRD DR, 3264, GREEN COVE SPRINGS, FL 32043-9222

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1688 COVINGTON LN, FLEMING ISLAND, FL 32003-3377

Mortgage

Document Number	0040160723
Date	Oct 2, 2017
Book Page	4016/0723
Instrument	2017049634

Lender

Name	NETWORK FUNDING LP
Type	Mortgage Company
Address	HOUSTON, TX 77042

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

Source: Clay County assessment roll, as of December 3, 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	$6,478.00 (-1.28%)	$474,926 (+3.19%) Land $60,000 Building $414,926	$474,926 (+3.19%) Land $60,000 Building $414,926
2024	$6,562.00 (-20.98%)
2023	$8,304.00 (+8.82%)	$460,236 (+8.63%) Land $60,000 Building $400,236	$460,236 (+8.63%) Land $60,000 Building $400,236
2022	$7,631.00	$423,657 Land $50,000 Building $373,657	$423,657 Land $50,000 Building $373,657

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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