174 Cottage Pl, Melrose, FL 32666 Property Records

Clay County property record for 174 Cottage Pl, Melrose, FL 32666

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,152 sqft · built 1974
Lot Size	3.39 acres (147,668 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Apr 2022)
Tax Bill	$2,426 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-09-23-005256-004-00`

Property Details

APN / Parcel Number

Primary APN	`03-09-23-005256-004-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,152 sqft Heated Area
Gross Area	1,526 sqft
Flooring	Wood
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	147,668 sqft (3.39 acres)
Porch	Porch
Porch Area	246 sqft
Storage Building	378 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	174 COTTAGE PL
City	MELROSE
State	FL
Zip	32666-3085
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF SW1/4 OF NW1/4 S3T9R23 A/K/A PRCL 23 & PT OF 24 BLK CHAZELWOOD HGTS AS REC O R 4598
Legal Range	23
Legal Township	09
Legal Section	03
Legal Subdivision	OAK FOREST
Legal Block	C
Legal Lot Number	23
Jurisdiction	CLAY FL
Township / Civil Division	KEYSTONE HEIGHTS
Census Block Group	2
Census Block	2018
Census Tract	31104

Owner

174 Cottage Pl is owned and occupied by an individual who bought it in April 2022.

Source: Clay County records, as of December 18, 2025

Owner of Record	Individual Name on File
Mailing Address	174 COTTAGE PL, MELROSE, FL 32666-3085
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 19, 2022	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jul 17, 2020	Warranty Deed, Transfer · Conventional with PMI NATIONS RELIABLE LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 2022 · Amount on File
Deed Sale	Apr 19, 2022 · Amount on File
Prior Sale	Jul 17, 2020 · Amount on File
Deed Document Number	2022025054
Deed Book / Page	4598 / 387
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Apr 19, 2022
Property Address	174 COTTAGE PL, MELROSE, FL 32666-3085
Document Number	0045980387
Book / Page	4598 / 387
Instrument Date	Apr 14, 2022
Instrument	2022025054
Transaction Type	Transfer
Record Updated	May 6, 2022
Title Company	ALACHUA TITLE SERVICES, ALACHUA TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6420 SE 185TH AVE, 6420, MICANOPY, FL 32667-3894

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	380 NE 56TH ST, OAKLAND PARK, FL 33334-1716

Mortgage

Document Number	0004598389
Date	Apr 19, 2022
Instrument	4598/389

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jul 17, 2020
Property Address	174 COTTAGE PL, MELROSE, FL 32666-3085
Document Number	0043300900
Book / Page	004330 / 000900
Instrument Date	Jul 15, 2020
Instrument	35632
Transaction Type	Transfer
Record Updated	Jul 30, 2020
Title Company	LAKE AREA TITLE SERVICES INC, LAKE AREA TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$980.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 COTTAGE PL MELROSE FL 326663085, MELROSE, FL 32666-3085

Mortgage

Document Number	43300903
Date	Jul 17, 2020
Book Page	004330/000903
Instrument	35633

Lender

Name	NATIONS RELIABLE LNDG
Address	HOUSTON, TX 77027

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 174 Cottage Pl was $2,426 with a homeowner's exemption.

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	$2,426.00 Homeowner's exemption	$199,220	$215,573 Land $45,116 Building $170,457
2023	$2,579.00 (+72.39%) Homeowner's exemption	$187,967 (+51.65%) Land $36,116 Building $151,851	$187,967 (+22.98%) Land $36,116 Building $151,851
2022	$1,496.00 Homeowner's exemption	$123,947	$152,840 Land $25,947 Building $126,893

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 174 Cottage Pl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 35 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017 · Hurricane Irma

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 174 Cottage Pl is high, ranking above 71% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	High above 71% of the US · above 54% of Florida
Wildfire Likelihood	0.2% 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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