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1699 Waters Edge Dr, Fleming Island, FL 32003 Property Records

Clay County property record for 1699 Waters Edge Dr, Fleming Island, FL 32003

Property Summary

Property TypeSingle Family Home
Details5 bd · 4 ba · 2,747 sqft · built 2000
Lot Size0.297 acres (12,971 sqft)
Owner2 Individual Names on File
Last Sale$329,900 (Mar 2020)
Tax Bill$5,627 (2025)
Deeds & MortgagesFeb 2022 Mortgage
Mar 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN31-04-26-021262-021-54

Property Details

APN / Parcel Number

Primary APN31-04-26-021262-021-54

Interior

Bedrooms5 Beds
Full Baths4 Baths
Stories2 Stories
Building Area2,747 sqft Heated Area
Gross Area3,402 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2000
Exterior MaterialStucco
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,971 sqft (0.297 acres)
Garage Area440 sqft
PorchPorch
Porch Area215 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address1699 WATERS EDGE DR
CityFLEMING ISLAND
StateFL
Zip32003-8694
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionLOT 54 HARBOR LAKE AS REC O R4292 PG 530
Legal Range26
Legal Township04
Legal Section31
Legal SubdivisionHARBOR LK/EAGLE HARBOR
Legal Lot Number54
JurisdictionCLAY FL
Township / Civil DivisionORANGE PARK
Census Block Group3
Census Block3011
Census Tract30704

Owner

1699 Waters Edge Dr is owned and occupied by two individuals who bought it in March 2020.

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 Record2 Individual Names on File
Mailing Address1699 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8694
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 16, 2022Deed of Trust, Mortgage · FHA Mortgage
CALIBER HOME LOANS INC
Mar 25, 2020Warranty Deed, Transfer · FHA Mortgage
HOME LOAN EXPERT LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 25, 2020 · Amount on File
Deed SaleMar 25, 2020 · Amount on File
Prior SaleJul 7, 2004 · Amount on File
Deed Document Number2020015841
Deed Book / Page4292 / 530
Record UpdatedJun 8, 2026

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY FL
Property Address1699 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8694
Transaction TypeMortgage
Record UpdatedMar 8, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1699 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8694

Mortgage

Document Number0045721434
DateFeb 16, 2022
Book Page4572/1434
Instrument2022010727
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
AddressOKLAHOMA CITY, OK 73134
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term338 Months
DueApr 1, 2050

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY FL
Recording DateMar 25, 2020
Property Address1699 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8694
Document Number0042920530
Book / Page004292 / 000530
Instrument DateMar 19, 2020
Instrument15841
Transaction TypeTransfer
Record UpdatedApr 14, 2020
Title CompanyOTHER

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,309.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1699 WATERS EDGE DR FLEMING ISLAND FL 320038694, FLEMING ISLAND, FL 32003-8694

Mortgage

Document Number42920532
DateMar 25, 2020
Book Page004292/000532
Instrument15842
Lender
NameHOME LOAN EXPERT LLC
AddressSAINT LOUIS, MO 63144
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueMar 24, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1699 Waters Edge Dr was $5,627 with a homeowner's exemption.

Source: Clay County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyClay County
Unified School DistrictClay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,627.00 Homeowner's exemption$409,132$506,417 Land $85,000 Building $421,417
2023$6,338.00 (+5.85%) Homeowner's exemption$386,022 (+3%)$483,322 (+28.96%) Land $75,000 Building $408,322
2022$5,988.00 Homeowner's exemption$374,779 Land $66,000 Building $308,779$374,779 Land $66,000 Building $308,779

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

Flood

FEMA maps place 1699 Waters Edge Dr in Zone X, an area of minimal flood risk, within 500 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 128 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies128 in force
Nearby Flood Claims19 (2016–2023)
Claims Outside the SFHA2 of 19
Most Recent ClaimDec 2023 · other causes
Claims by Event
  • Hurricane Nicole, Nov 2022 · 2 claims
  • Hurricane Irma, Sep 2017 · 14 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 1699 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 RiskLow
lower than 96% of the US · lower than 96% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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

ProviderMax 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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