1850 Sentry Oak Ct, Fleming Island, FL 32003 Property Records

Clay County property record for 1850 Sentry Oak Ct, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,524 sqft · built 2000
Lot Size	0.319 acres (13,936 sqft)
Owner	Individual Name on Record
Last Sale	$347,900 (Aug 2006)
Tax Bill	$3,294 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-05-26-014266-015-12`

Property Details

APN / Parcel Number

Primary APN	`38-05-26-014266-015-12`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,524 sqft Heated Area
Gross Area	3,436 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,936 sqft (0.319 acres)
Garage Area	698 sqft
Porch	Porch
Porch Area	214 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1850 SENTRY OAK CT
City	FLEMING ISLAND
State	FL
Zip	32003-3764
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 12 MARGARET'S WALK AS RECO R 2768 PG 1186
Legal Range	26
Legal Township	05
Legal Section	38
Legal Subdivision	MARGARETS WALK/FLEMING ISLAND
Legal Lot Number	12
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2002
Census Tract	30701

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 Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1850 SENTRY OAK CT, FLEMING ISLAND, FL 32003-3764
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2006 · Amount on Record
Deed Sale	Aug 2, 2006 · Amount on Record
Prior Sale	Nov 6, 2003 · Amount on Record
Deed Document Number	2006053920
Deed Book / Page	2768 / 1186
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1850 SENTRY OAK CT, FLEMING ISLAND, FL 32003-3764
Transaction Type	Mortgage
Record Updated	May 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 SENTRY OAK CT, FLEMING ISLAND, FL 32003-3764

Mortgage

Document Number	0048030079
Date	Mar 13, 2024
Book Page	4803/79
Instrument	2024011910

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1850 SENTRY OAK CT, FLEMING ISLAND, FL 32003-3764
Document Number	0041970291
Instrument Date	May 13, 2019
Transaction Type	Mortgage
Record Updated	Jun 24, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1850 SENTRY OAK CT FLEMING ISLAND FL 320033764, FLEMING ISLAND, FL 32003-3764

Mortgage

Document Number	0041970291
Date	May 31, 2019
Book Page	004197/000291
Instrument	27857

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 30, 2039

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	$3,294.00 (-35.65%) Homeowner's exemption	$256,151 (+5.99%)	$444,221 (-2.28%) Land $80,000 Building $364,221
2023	$5,119.00 (+5.16%) Homeowner's exemption	$241,682 (+3%)	$454,606 (+17.31%) Land $80,000 Building $374,606
2022	$4,868.00 Homeowner's exemption	$234,643	$387,535 Land $60,000 Building $327,535

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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