Clay County property record for 1904 Summit Ridge Rd, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,750 sqft · built 2005 |
| Lot Size | 0.199 acres (8,683 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $440,000 (Sep 2005) |
| Tax Bill | $7,155 (2025) |
| Deeds & Mortgages | Dec 2025 Transfer Jul 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-05-26-014264-005-43 |
| Primary APN | 08-05-26-014264-005-43 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 2,750 sqft Living Area |
| Gross Area | 3,263 sqft |
| 1st Floor Area | 2,414 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 | 8,683 sqft (0.199 acres) |
| Garage Type | Attached |
| Garage Area | 513 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 585 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1904 SUMMIT RIDGE RD |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-4963 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 43 SPRING CREEK @ EAGLE HARBOR OR 4623 PG 2116 |
| Legal Range | 26E |
| Legal Township | 05S |
| Legal Section | 08 |
| Legal Subdivision | SPRING CREEK |
| Legal Lot Number | 43 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 30707 |
1904 Summit Ridge Rd is owner-occupied and held in a trust since December 2025.
Source: Clay County records, as of January 21, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 1904 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4963 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 30, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jul 1, 2022 | Warranty Deed, Transfer · Conventional Mortgage HOMELIGHT HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 8, 2005 · Amount on File |
| Deed Sale | Sep 8, 2005 · Amount on File |
| Deed Document Number | 200565392 |
| Deed Book / Page | 2594 / 713 |
| Last Transfer Date | Dec 29, 2025 |
| Transfer Doc | 0050001697 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Dec 30, 2025 |
| Property Address | 1904 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4963 |
| Document Number | 0050001697 |
| Book / Page | 5000 / 1697 |
| Map Reference | MB 42 PG 28-36 |
| Instrument Date | Dec 29, 2025 |
| Instrument | 2025060438 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1904 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4963 |
| Name | Verified Name |
|---|---|
| Relationship | Family Revocable Trust |
| Address | 1904 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4963 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jul 1, 2022 |
| Property Address | 1904 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4963 |
| Document Number | 0046232116 |
| Book / Page | 4623 / 2116 |
| Map Reference | MB 42 PG 28-36 |
| Instrument Date | Jun 29, 2022 |
| Instrument | 2022040643 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,032.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1904 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4963 |
| Document Number | 0046232119 |
|---|---|
| Date | Jul 1, 2022 |
| Instrument | 4623/2119 |
| Name | HOMELIGHT HOME LOANS INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2052 |
The 2025 property tax bill for 1904 Summit Ridge Rd was $7,155 with a homeowner's exemption, up 4.7% from the year before.
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 | $7,155.00 (+4.67%) Homeowner's exemption | $509,311 | $512,799 Land $100,000 Building $412,799 |
| 2024 | $6,836.00 (-25.09%) | ||
| 2023 | $9,126.00 (+16.4%) Homeowner's exemption | $480,542 (+20.41%) Land $100,000 Building $380,542 | $480,542 (+20.41%) Land $100,000 Building $380,542 |
| 2022 | $7,840.00 | $399,074 Land $70,000 Building $329,074 | $399,074 Land $70,000 Building $329,074 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1904 Summit Ridge Rd 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 risk around 1904 Summit Ridge Rd is moderate, ranking above 47% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · lower than 82% 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 125 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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