1696 Covington Ln, Fleming Island, FL 32003 Property Records

Clay County property record for 1696 Covington Ln, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,542 sqft · built 2004
Lot Size	0.199 acres (8,691 sqft)
Owner	2 Individual Names on Record
Last Sale	$211,000 (May 2015)
Tax Bill	$3,707 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Mar 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-05-26-014266-029-22`

Property Details

APN / Parcel Number

Primary APN	`16-05-26-014266-029-22`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,542 sqft Heated Area
Gross Area	3,501 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,691 sqft (0.199 acres)
Garage Area	616 sqft
Porch	Porch
Porch Area	191 sqft
Patio Area	152 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1696 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 22 COVINGTON AS REC O R 3744 PG 1492
Legal Range	26
Legal Township	05
Legal Section	16
Legal Subdivision	COVINGTON
Legal Lot Number	22
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	2 Individual Names on Record
Mailing Address	1696 COVINGTON LN, FLEMING ISLAND, FL 32003-3377
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Mar 19, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF NAT'L TR & SVGS
Sep 12, 2017	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2015 · Amount on Record
Deed Sale	May 5, 2015 · Amount on Record
Prior Sale	Mar 2, 2015
Deed Document Number	2015022142
Deed Book / Page	3744 / 1492
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1696 COVINGTON LN, FLEMING ISLAND, FL 32003-3377
Transaction Type	Mortgage
Record Updated	Jan 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1696 COVINGTON LN, FLEMING ISLAND, FL 32003-3377

Mortgage

Document Number	0047790448
Date	Dec 8, 2023
Book Page	4779/448
Instrument	2023060063

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1696 COVINGTON LN, FLEMING ISLAND, FL 32003-3377
Document Number	0040681461
Instrument Date	Mar 19, 2018
Transaction Type	Mortgage
Record Updated	Apr 17, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1696 COVINGTON LN FLEMING ISLAND FL 320033377, FLEMING ISLAND, FL 32003-3377

Mortgage

Document Number	0040681461
Date	Mar 29, 2018
Book Page	004068/001461
Instrument	15822

Lender

Name	BANK OF NAT'L TR & SVGS
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 2048

Interest

Rate Type	Adjustable Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1696 COVINGTON LN, FLEMING ISLAND, FL 32003-3377
Document Number	0040121413
Book / Page	004012 / 001413
Instrument Date	Sep 12, 2017
Transaction Type	Mortgage
Record Updated	Oct 6, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1696 COVINGTON LN FLEMING ISLAND FL 320033377, FLEMING ISLAND, FL 32003-3377

Mortgage

Document Number	0040121413
Date	Sep 19, 2017
Book Page	004012/001413
Instrument	47372

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2047

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	$3,707.00 (-32.7%) Homeowner's exemption	$283,253 (+5.99%)	$434,227 (+3.63%) Land $60,000 Building $374,227
2023	$5,508.00 (+4.99%) Homeowner's exemption	$267,254 (+3%)	$419,028 (+7.34%) Land $60,000 Building $359,028
2022	$5,246.00 Homeowner's exemption	$259,470	$390,362 Land $50,000 Building $340,362

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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