1782 Covington Ln, Fleming Island, FL 32003 Property Records

Clay County property record for 1782 Covington Ln, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,331 sqft · built 2003
Lot Size	0.186 acres (8,107 sqft)
Owner	Owner Name on Record
Last Sale	$183,600 (Jul 2003)
Tax Bill	$2,720 (2025)
Deeds & Mortgages	Jan 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`16-05-26-014266-029-05`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,331 sqft Heated Area
Gross Area	3,157 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	8,107 sqft (0.186 acres)
Garage Area	440 sqft
Porch	Porch
Porch Area	265 sqft
Patio Area	121 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1782 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 5 COVINGTON AS REC OR 2223PG 1861
Legal Range	26
Legal Township	05
Legal Section	16
Legal Subdivision	COVINGTON
Legal Lot Number	5
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	Owner Name on Record
Mailing Address	1782 COVINGTON LN, FLEMING ISLAND, FL 32003-3378
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2003 · Amount on Record
Deed Sale	Jul 8, 2003 · Amount on Record
Deed Document Number	200344126
Deed Book / Page	2223 / 1861
Record Updated	Jun 8, 2026

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY FL
Property Address	1782 COVINGTON LN, FLEMING ISLAND, FL 32003-3378
Document Number	0040531511
Book / Page	004053 / 001511
Instrument Date	Jan 26, 2018
Transaction Type	Mortgage
Record Updated	Feb 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1782 COVINGTON LN FLEMING ISLAND FL 320033378, FLEMING ISLAND, FL 32003-3378

Mortgage

Document Number	0040531511
Date	Feb 5, 2018
Book Page	004053/001511
Instrument	6246

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 4, 2028

Interest

Rate Type	Fixed Rate
Rate	4.25%

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	$2,720.00 (-40.62%) Homeowner's exemption	$218,541 (+5.99%)	$393,678 (+3.53%) Land $60,000 Building $333,678
2023	$4,581.00 (+5.46%) Homeowner's exemption	$206,197 (+3%)	$380,268 (+8.8%) Land $60,000 Building $320,268
2022	$4,344.00 Homeowner's exemption	$200,192	$349,515 Land $50,000 Building $299,515

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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 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.

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