1905 Summit Ridge Rd, Fleming Island, FL 32003 Property Records

Clay County property record for 1905 Summit Ridge Rd, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,283 sqft · built 2005
Lot Size	0.321 acres (13,985 sqft)
Owner	2 Owner Names on Record
Last Sale	$351,500 (Aug 2005)
Tax Bill	$3,804 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-05-26-014264-005-40`

Property Details

APN / Parcel Number

Primary APN	`08-05-26-014264-005-40`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,283 sqft Heated Area
Gross Area	2,992 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,985 sqft (0.321 acres)
Garage Area	462 sqft
Pool Area	1,188 sqft
Porch	Porch
Porch Area	247 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1905 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 40 SPRING CREEK @ EAGLE HARBOR AS REC O R 2576 PG 967
Legal Range	26
Legal Township	05
Legal Section	08
Legal Subdivision	SPRING CREEK
Legal Lot Number	40
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	1
Census Block	1023
Census Tract	30707

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	2 Owner Names on Record
Mailing Address	1905 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4966
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2005 · Amount on Record
Deed Sale	Aug 9, 2005 · Amount on Record
Prior Sale	Apr 14, 2004 · Amount on Record
Deed Document Number	2005055868
Deed Book / Page	2576 / 0967
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1905 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4966
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1905 SUMMIT RIDGE RD, FLEMING ISLE, FL 32003-4966

Mortgage

Document Number	0043602065
Date	Oct 2, 2020
Book Page	4360/2065
Instrument	2020051377

Lender

Name	NETWORK FUNDING LP
Type	Mortgage Company
Address	HOUSTON, TX 77042

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2035

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	$3,804.00 (-36.37%) Homeowner's exemption	$289,583 (+5.99%)	$467,904 (+5.84%) Land $100,000 Building $367,904
2023	$5,978.00 (+5.36%) Homeowner's exemption	$273,226 (+3%)	$442,085 (+22.05%) Land $100,000 Building $342,085
2022	$5,674.00 Homeowner's exemption	$265,268	$362,231 Land $70,000 Building $292,231

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
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.

Wildfire

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.

Internet Providers

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