173 Oak Dr S, Fleming Island, FL 32003 Property Records

Clay County property record for 173 Oak Dr S, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,166 sqft · built 1985
Lot Size	0.573 acres (24,959 sqft)
Owner	Trust Name on File
Last Sale	$820,000 (Aug 2016)
Tax Bill	$10,403 (2025)
Deeds & Mortgages	Aug 2018 Transfer May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`37-05-26-014614-053-00`

Property Details

APN / Parcel Number

Primary APN	`37-05-26-014614-053-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	4,166 sqft Living Area
Gross Area	4,814 sqft
1st Floor Area	1,802 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	24,959 sqft (0.573 acres)
Lot Dimensions	208 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	648 sqft

Exterior Amenities

Pool Area	630 sqft
Porch	Finished/Open Porch
Porch Area	616 sqft
Patio Area	40 sqft
Boat Access	Boat Access
Boat House	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	173 OAK DR S
City	FLEMING ISLAND
State	FL
Zip	32003-8777
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 127 FLEMING OAKS UNIT 4 AS REC OR 3885 PG 1715 & 4119 PG 429
Legal Range	26E
Legal Township	05S
Legal Section	37
Legal Subdivision	FLEMING OAKS UNIT 4
Legal Lot Number	127
Legal Unit	4
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2001
Census Tract	30701

Owner

173 Oak Dr S is owner-occupied and held in a trust since August 2018.

Source: Clay County records, as of December 3, 2025

Owner of Record	Trust Name on File
Mailing Address	173 OAK DR S, FLEMING ISLAND, FL 32003-8777
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
May 6, 2017	Deed of Trust, Mortgage · Line of Credit TD BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2016 · Amount on File
Deed Sale	Aug 10, 2016 · Amount on File
Deed Document Number	201639178
Deed Book / Page	3885 / 1715
Last Transfer Date	Aug 28, 2018
Transfer Doc	0041190429
Record Updated	Jun 8, 2026

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY FL
Recording Date	Aug 30, 2018
Property Address	173 OAK DR S, FLEMING ISLAND, FL 32003-8777
Document Number	0041190429
Book / Page	004119 / 000429
Instrument Date	Aug 28, 2018
Instrument	45928
Transaction Type	Transfer
Record Updated	Sep 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	173 OAK DR S FLEMING ISLAND FL 320038777, FLEMING ISLAND, FL 32003-8777

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	173 OAK DR S, FLEMING ISLAND, FL 32003-8777
Document Number	0039820348
Book / Page	003982 / 000348
Instrument Date	May 6, 2017
Transaction Type	Mortgage
Record Updated	Jul 11, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	173 OAK DR S FLEMING ISLAND FL 320038777, FLEMING ISLAND, FL 32003-8777

Mortgage

Document Number	0039820348
Date	Jun 9, 2017
Book Page	003982/000348
Instrument	29550

Lender

Name	TD BK NA
Type	Bank
Address	PORTLAND, ME 04101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 173 Oak Dr S was $10,403 with a homeowner's exemption, up 4.6% from the year before.

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	$10,403.00 (+4.63%) Homeowner's exemption	$722,215	$920,627 Land $552,000 Building $368,627
2024	$9,943.00 (-1.27%)
2023	$10,071.00 (+4.07%) Homeowner's exemption	$681,420 (+3%)	$799,063 (+17.87%) Land $441,600 Building $357,463
2022	$9,677.00 Homeowner's exemption	$661,573	$677,915 Land $386,400 Building $291,515

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

Flood

FEMA maps place 173 Oak Dr S in Zone X, an area of minimal flood risk, within 100 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 191 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	191 in force
Nearby Flood Claims	57 (1980–2024)
Claims Outside the SFHA	31 of 57
Most Recent Claim	Sep 2024 · other causes
Claims by Event	Hurricane Nicole, Nov 2022 · 2 claims Hurricane Irma, Sep 2017 · 38 claims Hurricane Frances, Sep 2004 · 5 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 173 Oak Dr S is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct 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 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: IQ Fiber.

Nearby Properties on Oak Dr S

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures