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1784 White Owl Rd, Fleming Island, FL 32003 Property Records

Clay County property record for 1784 White Owl Rd, Fleming Island, FL 32003

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,209 sqft · built 2001
Lot Size0.495 acres (21,584 sqft)
OwnerIndividual Name on Record
Last Sale$380,000 (Nov 2018)
Tax Bill$3,502 (2025)
Deeds & MortgagesMay 2022 Mortgage
Nov 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN30-04-26-021290-001-01

Property Details

APN / Parcel Number

Primary APN30-04-26-021290-001-01

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,209 sqft Heated Area
Gross Area3,338 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2001
Exterior MaterialStucco
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area21,584 sqft (0.495 acres)
Garage Area660 sqft
Pool Area450 sqft
PorchPorch
Porch Area469 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address1784 WHITE OWL RD
CityFLEMING ISLAND
StateFL
Zip32003
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 121 BLK 4 NEILHURST AS RECO R 4139 PG 972
Legal Range26
Legal Township04
Legal Section30
Legal SubdivisionNEILHURST SEC 3
Legal Block4
Legal Lot Number121
JurisdictionCLAY FL
Township / Civil DivisionORANGE PARK
Census Block Group3
Census Block3018
Census Tract30704

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address1784 LAKESHORE DR N, FLEMING ISLAND, FL 32003-7730
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 10, 2022Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Nov 7, 2018Warranty Deed, Transfer · Conventional Mortgage
FIDELITY BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 7, 2018 · Amount on Record
Deed SaleNov 7, 2018 · Amount on Record
Prior SaleMar 28, 2014 · Amount on Record
Deed Document Number0004139972
Deed Book / Page4139 / 972
Record UpdatedJun 8, 2026

May 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY FL
Property Address1784 WHITE OWL RD, FLEMING ISLAND, FL 32003
Transaction TypeMortgage
Record UpdatedJul 4, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0046052125
DateMay 10, 2022
Book Page4605/2125
Instrument2022029701
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2052

November 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY FL
Recording DateNov 7, 2018
Property Address1784 WHITE OWL RD, FLEMING ISLAND, FL 32003
Document Number0041390972
Book / Page4139 / 0972
Map ReferenceMB2 PG48
Instrument DateNov 7, 2018
Instrument2018058632
Transaction TypeTransfer
Record UpdatedFeb 21, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address1784 LAKESHORE DR N, FLEMING ISLAND, FL 32003-7730

Mortgage

Document Number2018058633
DateNov 7, 2018
Instrument2018058633
Lender
NameFIDELITY BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2048

Tax Assessment & Valuation

Source: Clay County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyClay County
Unified School DistrictClay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,502.00 (-2.45%) Homeowner's exemption$269,792 (+5.99%)$427,138 (+13.56%) Land $85,000 Building $342,138
2023$3,590.00 (+6.53%) Homeowner's exemption$254,553 (+3%)$376,134 (+12.03%) Land $85,000 Building $291,134
2022$3,370.00 Homeowner's exemption$247,139$335,753 Land $85,000 Building $250,753

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 128 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies128 in force
Nearby Flood Claims19 (2016–2023)
Claims Outside the SFHA2 of 19
Most Recent ClaimDec 2023 · other causes
Claims by Event
  • Hurricane Nicole, Nov 2022 · 2 claims
  • Hurricane Irma, Sep 2017 · 14 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

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

Wildfire RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 283 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
AT&T
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20

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