Clay County property record for 1704 Covington Ln, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,768 sqft · built 2003 |
| Lot Size | 0.201 acres (8,732 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $161,900 (Dec 2003) |
| Tax Bill | $2,311 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Nov 2021 Document + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-05-26-014266-029-20 |
| Primary APN | 16-05-26-014266-029-20 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,768 sqft Living Area |
| Gross Area | 2,170 sqft |
| 1st Floor Area | 1,768 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Logs |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 8,732 sqft (0.201 acres) |
| Garage Type | Attached |
| Garage Area | 402 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 24 sqft |
| Patio Area | 336 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1704 COVINGTON LN |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-3378 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 20 COVINGTON AS REC OR 2308 PG 611 & 4339 PG 903 |
| Legal Range | 26E |
| Legal Township | 05S |
| Legal Section | 16 |
| Legal Subdivision | COVINGTON |
| Legal Lot Number | 20 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 30707 |
Source: Clay County records, as of December 3, 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 |
|---|---|
| Mailing Address | 1704 COVINGTON LN, FLEMING ISLAND, FL 32003-3378 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA |
| Nov 2, 2021 | |
| Aug 12, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Jan 31, 2019 | Loan Modification, Mortgage · FHA Mortgage WELLS FARGO BK |
| Jan 31, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 23, 2003 · Amount on Record |
| Deed Sale | Dec 23, 2003 · Amount on Record |
| Deed Document Number | 200387265 |
| Deed Book / Page | 2308 / 611 |
| Last Transfer Date | Jul 27, 2020 |
| Transfer Doc | 0043400903 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 1704 COVINGTON LN, FLEMING ISLAND, FL 32003-3378 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1704 COVINGTON LN, ORANGE PARK, FL 32003-3378 |
| Document Number | 0045991716 |
|---|---|
| Date | Apr 22, 2022 |
| Book Page | 4599/1716 |
| Instrument | 2022025995 |
| Name | COMMUNITY FIRST CREDIT UNION OF FLORIDA |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32204 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Jurisdiction | CLAY FL |
|---|---|
| Recording Date | Nov 2, 2021 |
| Property Address | 1704 COVINGTON LN, FLEMING ISLAND, FL 32003-3378 |
| Document Number | 0045300326 |
| Book / Page | 4530 / 326 |
| Instrument Date | Oct 15, 2021 |
| Instrument | 2021069361 |
| Record Updated | Nov 12, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 617 JOHN ADAMS ST, 617, ORANGE PARK, FL 32073-8598 |
| Name | Verified Name |
|---|---|
| Address | 2620 COUNTRY SIDE DR, FLEMING ISLAND, FL 32003-4951 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Aug 12, 2020 |
| Property Address | 1704 COVINGTON LN, FLEMING ISLAND, FL 32003-3378 |
| Document Number | 0043400903 |
| Book / Page | 004340 / 000903 |
| Instrument Date | Jul 2, 2020 |
| Instrument | 40868 |
| Transaction Type | Transfer |
| Record Updated | Sep 3, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 1704 COVINGTON LN, FLEMING ISLAND, FL 32003-3378 |
| Document Number | 0041692181 |
| Instrument Date | Jan 31, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1704 COVINGTON LN FLEMING ISLAND FL 320033378, FLEMING ISLAND, FL 32003-3378 |
| Document Number | 0041692181 |
|---|---|
| Date | Mar 5, 2019 |
| Book Page | 004169/002181 |
| Instrument | 11042 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | FORT MILL, SC 29715 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 4, 2049 |
| Rate | 4.75% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 1704 COVINGTON LN, FLEMING ISLAND, FL 32003-3378 |
| Document Number | 0041661431 |
| Instrument Date | Jan 31, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1704 COVINGTON LN ORANGE PARK FL 320033378, ORANGE PARK, FL 32003-3378 |
| Document Number | 0041661431 |
|---|---|
| Date | Feb 21, 2019 |
| Book Page | 004166/001431 |
| Instrument | 9014 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 20, 2049 |
Source: Clay County assessment roll, as of December 3, 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 | $2,311.00 (+4.95%) Homeowner's exemption | $191,726 (+16.65%) | $327,345 (+9.14%) Land $60,000 Building $267,345 |
| 2024 | $2,202.00 (-44.18%) | ||
| 2023 | $3,945.00 (+5.88%) Homeowner's exemption | $164,366 (+3%) | $299,927 (+8.7%) Land $60,000 Building $239,927 |
| 2022 | $3,726.00 Homeowner's exemption | $159,579 | $275,923 Land $50,000 Building $225,923 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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.
Source: FCC Broadband Data Collection, based on 240 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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