187 Dover Bluff Dr, Orange Park, FL 32073 Property Records

Clay County property record for 187 Dover Bluff Dr, Orange Park, FL 32073

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,758 sqft · built 2003
Lot Size	0.174 acres (7,584 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Jul 2017)
Tax Bill	$1,975 (2025)
Deeds & Mortgages	Sep 2025 Sale Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-04-25-007865-013-06`

Property Details

APN / Parcel Number

Primary APN	`03-04-25-007865-013-06`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,758 sqft Living Area
Gross Area	2,178 sqft
1st Floor Area	1,758 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,584 sqft (0.174 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	78 sqft
Patio Area	81 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	187 DOVER BLUFF DR
City	ORANGE PARK
State	FL
Zip	32073-7667
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE
Legal Description	LOT 6 CUTTERS POINT AS REC OR 3996 PG 2137
Legal Range	25E
Legal Township	04S
Legal Section	03
Legal Subdivision	CUTTERS POINT
Legal Lot Number	6
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	2
Census Block	2000
Census Tract	30206

Owner

Source: Clay County records, as of December 3, 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	2 Individual Names on Record
Mailing Address	187 DOVER BLUFF DR, ORANGE PARK, FL 32073-7667
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Quit Claim Deed, Transfer NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC
Sep 23, 2025	Quit Claim Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2017 · Amount on Record
Deed Sale	Jul 27, 2017 · Amount on Record
Prior Sale	Mar 19, 2003 · Amount on Record
Deed Document Number	201738260
Deed Book / Page	3996 / 2137
Last Transfer Date	Sep 18, 2025
Transfer Doc	0049711294
Record Updated	Sep 20, 2026

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY FL
Recording Date	Sep 23, 2025
Property Address	187 DOVER BLUFF DR, ORANGE PARK, FL 32073-7667
Document Number	0049711297
Book / Page	4971 / 1297
Map Reference	MB 35 PG 59
Instrument Date	Sep 18, 2025
Instrument	2025044931
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$450.80
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	187 DOVER BLUFF DR, ORANGE PARK, FL 32073-7667

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	187 DOVER BLUFF DR, ORANGE PARK, FL 32073-7667

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY FL
Recording Date	Sep 23, 2025
Property Address	187 DOVER BLUFF DR, ORANGE PARK, FL 32073-7667
Document Number	0049711294
Book / Page	4971 / 1294
Map Reference	MB 35 PG 59
Instrument Date	Sep 18, 2025
Instrument	2025044930
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,010.80
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	187 DOVER BLUFF DR, ORANGE PARK, FL 32073-7667

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 DOVER BLUFF DR, ORANGE PARK, FL 32073-7667

Mortgage

Document Number	0049711299
Date	Sep 23, 2025
Instrument	4971/1299

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Oct 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	5-Year TN
Margin	2
Max Rate	10.6%

Tax Assessment & Valuation

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	$1,975.00 (+5.17%)	$174,654 (+2.9%)	$274,818 (+1.43%) Land $45,000 Building $229,818
2024	$1,878.00 (-12.69%) Homeowner's exemption Disabled Person's exemption	$169,732 (+3%)	$270,932 (+2.04%) Land $45,000 Building $225,932
2023	$2,151.00 (+5.65%) Homeowner's exemption Disabled Person's exemption	$164,789 (+3%)	$265,508 (+15.93%) Land $45,000 Building $220,508
2022	$2,036.00 Homeowner's exemption Disabled Person's exemption	$159,990	$229,019 Land $40,000 Building $189,019

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	6 in force

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 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ORANGE PARK GRID private · serves 127,904 people · EPA ID FL2100741
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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