1720 Covington Ln, Fleming Island, FL 32003 Property Records

Clay County property record for 1720 Covington Ln, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,714 sqft · built 2003
Lot Size	0.177 acres (7,751 sqft)
Owner	Individual Name on File
Tax Bill	$2,034 (2025)
Deeds & Mortgages	Jan 2018 Line of Credit
Flood Zone	Zone A (high risk)
APN	`16-05-26-014266-029-16`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,714 sqft Heated Area
Gross Area	2,459 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,751 sqft (0.177 acres)
Garage Area	460 sqft
Porch	Porch
Porch Area	237 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1720 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 16 COVINGTON AS REC O R 2798 PG 1454
Legal Range	26
Legal Township	05
Legal Section	16
Legal Subdivision	COVINGTON
Legal Lot Number	16
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1720 COVINGTON LN, FLEMING ISLAND, FL 32003-3378
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 2021
Deed Sale	Oct 9, 2021
Prior Sale	Oct 28, 2003 · Amount on File
Deed Document Number	2006068689
Deed Book / Page	2798 / 1454
Prior Transfer Date	Oct 4, 2006
Prior Transfer Doc	2006068689
Record Updated	Jun 8, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1720 COVINGTON LN, FLEMING ISLAND, FL 32003-3378
Document Number	0040510499
Book / Page	004051 / 000499
Instrument Date	Jan 16, 2018
Transaction Type	Mortgage
Record Updated	Feb 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1720 COVINGTON LN FLEMING ISLAND FL 320033378, FLEMING ISLAND, FL 32003-3378

Mortgage

Document Number	0040510499
Date	Jan 29, 2018
Book Page	004051/000499
Instrument	4741

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 28, 2028

Interest

Rate Type	Adjustable Rate

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	$2,034.00 (-48.27%) Homeowner's exemption Widower's exemption	$178,544 (+5.99%)	$316,607 (+3.33%) Land $60,000 Building $256,607
2023	$3,932.00 (+4.05%) Homeowner's exemption Widower's exemption	$168,460 (+3%)	$306,397 (+9.27%) Land $60,000 Building $246,397
2022	$3,779.00 Homeowner's exemption Widower's exemption	$163,554	$280,414 Land $50,000 Building $230,414

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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 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.

Internet Providers

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