1786 Covington Ln, Fleming Island, FL 32003 Property Records

Clay County property record for 1786 Covington Ln, Fleming Island, FL 32003 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,110 sqft · built 2004
Lot Size	0.173 acres (7,549 sqft)
Owner	Individual Name on File
Last Sale	$390,000 (Nov 2021)
Tax Bill	$4,625 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-05-26-014266-029-04`

Property Details

APN / Parcel Number

Primary APN	`16-05-26-014266-029-04`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,110 sqft Heated Area
Gross Area	2,660 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,549 sqft (0.173 acres)
Garage Area	400 sqft
Porch	Porch
Porch Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1786 COVINGTON LN
City	FLEMING ISLAND
State	FL
Zip	32003-3378
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 COVINGTON AS REC OR 4538PG 2159
Legal Range	26
Legal Township	05
Legal Section	16
Legal Subdivision	COVINGTON
Legal Lot Number	4
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2000
Census Tract	30707

Owner

Source: Clay County records · APN 16-05-26-014266-029-04

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Individual Name on File
Mailing Address	1786 COVINGTON LN, FLEMING ISLAND, FL 32003-3378
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 23, 2021 · Amount on Record
Deed Sale	Nov 23, 2021 · Amount on Record
Prior Sale	Nov 15, 2006 · Amount on Record
Deed Document Number	2021074366
Deed Book / Page	4538 / 2159
Record Updated	Jun 08, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Nov 23, 2021
Property Address	1786 COVINGTON LN, FLEMING ISLAND, FL 32003-3378
Document Number	0045382159
Book / Page	4538 / 2159
Map Reference	MB 38 PG 71-76
Instrument Date	Nov 22, 2021
Instrument	2021074366
Transaction Type	Transfer
Record Updated	Dec 06, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1258 ROMANI AVE, 1258, CHAMPIONS GATE, FL 33896-5386

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1786 COVINGTON LN, FLEMING ISLAND, FL 32003-3378

Mortgage

Document Number	45382161
Date	Nov 23, 2021
Instrument	4538/2161

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2051

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Clay County
Unified School District	Clay County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,625.00 (-27.29%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$353,425 (+5.99%)	$361,354 (+3.51%) Land $60,000 Building $301,354
2023	$6,361.00 (+3.58%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$333,462 (+3%)	$349,084 (+7.83%) Land $60,000 Building $289,084
2022	$6,141.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$323,750 Land $50,000 Building $273,750	$323,750 Land $50,000 Building $273,750

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (12019C), updated July 6, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 100 ft

Wildfire

Wildfire Risk	Low above 32% of the US · above 8% of Florida
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.