Clay County property record for 1903 Summit Ridge Rd, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,105 sqft · built 2005 |
| Lot Size | 0.475 acres (20,704 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $250,000 (Jun 2011) |
| Tax Bill | $10,838 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jan 2024 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-05-26-014264-005-41 |
| Primary APN | 08-05-26-014264-005-41 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 3,105 sqft Living Area |
| Gross Area | 3,814 sqft |
| 1st Floor Area | 2,472 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 20,704 sqft (0.475 acres) |
| Garage Type | Attached |
| Garage Area | 709 sqft |
| Pool Area | 480 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 452 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1903 SUMMIT RIDGE RD |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-4966 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 41 SPRING CREEK @ EAGLE HARBOR OR 4648 PG 758 |
| Legal Range | 26E |
| Legal Township | 05S |
| Legal Section | 08 |
| Legal Subdivision | SPRING CREEK |
| Legal Lot Number | 41 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 30707 |
Source: Clay County records, as of July 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1903 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4966 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 2, 2026 | Warranty Deed, Transfer · Conventional Mortgage NETWORK FUNDING LP |
| Jan 10, 2024 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Sep 14, 2022 | Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND |
| Dec 18, 2020 | Deed of Trust, Mortgage · VA Mortgage NETWORK FUNDING LP |
| Feb 27, 2020 | Deed of Trust, Mortgage · VA Mortgage BANK OF ENGLAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2011 · Amount on Record |
| Deed Sale | Jun 24, 2011 · Amount on Record |
| Prior Sale | Jul 14, 2004 · Amount on Record |
| Deed Document Number | 201132173 |
| Deed Book / Page | 3317 / 705 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jul 2, 2026 |
| Property Address | 1903 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4966 |
| Document Number | 0000032728 |
| Book / Page | 5062 / 798 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 202632728 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1903 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4966 |
| Document Number | 0000032729, |
|---|---|
| Date | Jul 2, 2026 |
| Instrument | 202632729 |
| Name | NETWORK FUNDING LP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.85% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 1903 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4966 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1903 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4966 |
| Document Number | 0047852167 |
|---|---|
| Date | Jan 10, 2024 |
| Book Page | 4785/2167 |
| Instrument | 2024001154 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 30, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Sep 14, 2022 |
| Property Address | 1903 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4966 |
| Document Number | 0046480758 |
| Book / Page | 4648 / 758 |
| Map Reference | MB 42 PG 28-36 |
| Instrument Date | Sep 9, 2022 |
| Instrument | 2022055467 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,600.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1903 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4966 |
| Document Number | 0004648760 |
|---|---|
| Date | Sep 14, 2022 |
| Instrument | 4648/760 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 1903 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4966 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1903 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4966 |
| Document Number | 0043911997 |
|---|---|
| Date | Dec 18, 2020 |
| Book Page | 4391/1997 |
| Instrument | 2020067017 |
| Name | NETWORK FUNDING LP |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77042 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 1903 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4966 |
| Document Number | 0042851952 |
| Instrument Date | Feb 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1903 SUMMIT RIDGE RD FLEMING ISLAND FL 320034966, FLEMING ISLAND, FL 32003-4966 |
| Document Number | 0042851952 |
|---|---|
| Date | Mar 5, 2020 |
| Book Page | 004285/001952 |
| Instrument | 12092 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 4, 2035 |
Source: Clay County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,838.00 (-13.88%) Homeowner's exemption | $750,782 (+5.99%) | $763,225 (+7.74%) Land $100,000 Building $663,225 |
| 2023 | $12,585.00 (+87.92%) Homeowner's exemption | $708,372 (+113.06%) Land $100,000 Building $608,372 | $708,372 (+20.35%) Land $100,000 Building $608,372 |
| 2022 | $6,697.00 Homeowner's exemption | $332,477 | $588,600 Land $70,000 Building $518,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 113 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fiber | 1,000 / 1,000 |
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