1808 Sentry Oak Ct, Fleming Island, FL 32003 Property Records

Clay County property record for 1808 Sentry Oak Ct, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,246 sqft · built 2001
Lot Size	0.304 acres (13,234 sqft)
Owner	Individual Name on File
Last Sale	$376,500 (May 2020)
Tax Bill	$5,391 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jun 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`38-05-26-014266-015-93`

Property Details

APN / Parcel Number

Primary APN	`38-05-26-014266-015-93`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	3,246 sqft Living Area
Gross Area	4,223 sqft
1st Floor Area	2,658 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	13,234 sqft (0.304 acres)
Garage Type	Attached
Garage Area	682 sqft
Porch	Finished Screened Porch
Porch Area	327 sqft
Patio Area	506 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1808 SENTRY OAK CT
City	FLEMING ISLAND
State	FL
Zip	32003-3762
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 93 MARGARETS WALK AS REC OR 4310 PG 1854~~
Legal Range	26E
Legal Township	05S
Legal Section	38
Legal Subdivision	MARGARETS WALK
Legal Lot Number	93
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2027
Census Tract	30701

Owner

1808 Sentry Oak Ct is owned and occupied by an individual who bought it in May 2020.

Source: Clay County records, as of October 7, 2026

Owner of Record	Individual Name on File
Mailing Address	1808 SENTRY OAK CT, FLEMING ISLAND, FL 32003-3762
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

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
Sep 10, 2026	Deed of Trust, Mortgage · Line of Credit MORTGAGE MORTGAGE
Jun 1, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
May 26, 2020	Warranty Deed, Transfer · Conventional with PMI BANK OF ENGLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2020 · Amount on File
Deed Sale	May 26, 2020 · Amount on File
Prior Sale	Jul 22, 2011 · Amount on File
Deed Document Number	202025500
Deed Book / Page	4310 / 1854
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Recording Date	Sep 10, 2026
Property Address	1808 SENTRY OAK CT, FLEMING ISLAND, FL 32003-3762
Document Number	0000045346
Book / Page	5084 / 1773
Instrument Date	Aug 25, 2026
Instrument	202645346
Transaction Type	Mortgage
Record Updated	Oct 7, 2026
Title Company	TITLE AMERICA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1808 SENTRY OAK CT, FLEMING ISLAND, FL 32003-3762

Mortgage

Document Number	0000045346,
Date	Sep 10, 2026
Book Page	5084/1773
Instrument	202645346

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Recording Date	Jun 1, 2026
Property Address	1808 SENTRY OAK CT, FLEMING ISLAND, FL 32003-3762
Document Number	0000026452
Book / Page	5050 / 1302
Instrument Date	May 22, 2026
Instrument	202626452
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1808 SENTRY OAK CT, FLEMING ISLAND, FL 32003-3762

Mortgage

Document Number	0000026452,
Date	Jun 1, 2026
Book Page	5050/1302
Instrument	202626452

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2056

Interest

Rate	6.23%
Max Rate	-1%

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	May 26, 2020
Property Address	1808 SENTRY OAK CT, FLEMING ISLAND, FL 32003-3762
Document Number	0043101854
Book / Page	004310 / 001854
Instrument Date	May 19, 2020
Instrument	25500
Transaction Type	Transfer
Record Updated	Jun 3, 2020
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,636.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1808 SENTRY OAK CT FLEMING ISLAND FL 320033762, FLEMING ISLAND, FL 32003-3762

Mortgage

Document Number	43101856
Date	May 26, 2020
Book Page	004310/001856
Instrument	25501

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 25, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1808 Sentry Oak Ct was $5,391 with a homeowner's exemption.

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	$5,391.00 Homeowner's exemption	$393,633	$566,766 Land $80,000 Building $486,766
2023	$7,089.00 (+4.48%) Homeowner's exemption	$371,399 (+3%)	$573,673 (+16.69%) Land $80,000 Building $493,673
2022	$6,785.00 Homeowner's exemption	$360,582	$491,615 Land $60,000 Building $431,615

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

Flood

FEMA maps place 1808 Sentry Oak Ct in Zone X, an area of minimal flood risk, though there have been 57 flood claims nearby since 1980.

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 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 1808 Sentry Oak Ct is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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 210 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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