1868 Suwannee River Dr, Fleming Island, FL 32003 Property Records

Clay County property record for 1868 Suwannee River Dr, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,893 sqft · built 1993
Lot Size	0.232 acres (10,149 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Apr 2017)
Tax Bill	$2,268 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Mar 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-05-26-014260-002-74`

Property Details

APN / Parcel Number

Primary APN	`06-05-26-014260-002-74`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,893 sqft Heated Area
Gross Area	2,604 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,149 sqft (0.232 acres)
Lot Dimensions	127 ft deep x 80 ft wide
Garage Area	399 sqft
Porch	Porch
Porch Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1868 SUWANNEE RIVER DR
City	FLEMING ISLAND
State	FL
Zip	32003-7957
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Description	LOT 74 RIVERBEND AS REC O R 3964 PG 189
Legal Range	26
Legal Township	05
Legal Section	06
Legal Subdivision	RIVERBEND
Legal Lot Number	74
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	1
Census Block	1012
Census Tract	30707

Owner

1868 Suwannee River Dr is owned and occupied by an individual who bought it in April 2017.

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	Individual Name on File
Mailing Address	1868 SUWANNEE RIVER DR, FLEMING ISLAND, FL 32003-7957
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Mar 12, 2018	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Apr 19, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 2017 · Amount on File
Deed Sale	Apr 19, 2017 · Amount on File
Deed Document Number	2017019542
Deed Book / Page	3964 / 0189
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1868 SUWANNEE RIVER DR, FLEMING ISLAND, FL 32003-7957
Transaction Type	Mortgage
Record Updated	Nov 4, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1868 SUWANNEE RIVER DR, FLEMING ISLAND, FL 32003-7957

Mortgage

Document Number	0045271382
Date	Oct 27, 2021
Book Page	4527/1382
Instrument	2021068001

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1868 SUWANNEE RIVER DR, FLEMING ISLAND, FL 32003-7957
Document Number	0040650364
Instrument Date	Mar 12, 2018
Transaction Type	Mortgage
Record Updated	Apr 2, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1868 SUWANNEE RIVER DR GARDEN VALLEY CA 95633, GARDEN VALLEY, CA 95633

Mortgage

Document Number	0040650364
Date	Mar 20, 2018
Book Page	004065/000364
Instrument	13706

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 19, 2048

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Apr 19, 2017
Property Address	1868 SUWANNEE RIVER DR, FLEMING ISLAND, FL 32003-7957
Document Number	0039640189
Book / Page	003964 / 000189
Instrument Date	Apr 7, 2017
Instrument	19542
Transaction Type	Transfer
Record Updated	Jun 5, 2017
Title Company	OTHER

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,295.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1868 SUWANNEE RIVER DR FLEMING ISLAND FL 320037957, FLEMING ISLAND, FL 32003-7957

Mortgage

Document Number	39640192
Date	Apr 19, 2017
Book Page	003964/000192
Instrument	19543

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 18, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1868 Suwannee River Dr was $2,268 with a homeowner's exemption.

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	$2,268.00 Homeowner's exemption	$188,873	$295,280 Land $50,000 Building $245,280
2023	$2,430.00 (+8.39%) Homeowner's exemption	$178,205 (+3%)	$290,537 (+16.28%) Land $50,000 Building $240,537
2022	$2,242.00 Homeowner's exemption	$173,015	$249,859 Land $50,000 Building $199,859

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

Flood

FEMA maps place 1868 Suwannee River Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 90 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	90 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 1868 Suwannee River Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% 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 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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