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1921 Summit Ridge Rd, Fleming Island, FL 32003 Property Records

Clay County property record for 1921 Summit Ridge Rd, Fleming Island, FL 32003

Property Summary

Property TypeSingle Family Home
Details5 bd · 4 ba · 3,171 sqft · built 2007
Lot Size0.246 acres (10,708 sqft)
Owner2 Individual Names on Record
Tax Bill$8,682 (2024)
Deeds & MortgagesMar 2026 Mortgage
Jan 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN08-05-26-014264-005-77

Property Details

APN / Parcel Number

Primary APN08-05-26-014264-005-77

Interior

Bedrooms5 Beds
Full Baths4 Baths
Total Rooms5 Rooms
Stories2 Stories
Building Area3,171 sqft Living Area
Gross Area3,881 sqft
1st Floor Area2,613 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialOther
Lot Area10,708 sqft (0.246 acres)
Garage TypeAttached
Garage Area710 sqft
Pool Area680 sqft
PorchFinished/Open Porch
Porch Area273 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address1921 SUMMIT RIDGE RD
CityFLEMING ISLAND
StateFL
Zip32003-4967
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionLOT 77 SPRING CREEK @ EAGLE HARBOR AS REC OR 4789 PG 1995
Legal Range26E
Legal Township05S
Legal Section08
Legal SubdivisionSPRING CREEK
Legal Lot Number77
JurisdictionCLAY FL
Township / Civil DivisionORANGE PARK
Census Block Group1
Census Block1026
Census Tract30707

Owner

Source: Clay County records, as of April 7, 2026

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 Record2 Individual Names on Record
Mailing Address1921 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4967
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Mar 9, 2026Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP
Jan 26, 2024Warranty Deed, Transfer · VA Mortgage
CHURCHILL MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 26, 2024
Deed SaleJan 26, 2024
Prior SaleOct 2, 2007 · Amount on Record
Deed Document Number20243758
Deed Book / Page4789 / 1995
Record UpdatedOct 29, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY FL
Property Address1921 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4967
Transaction TypeMortgage
Record UpdatedApr 8, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address1921 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4967

Mortgage

Document Number0050210550
DateMar 9, 2026
Book Page5021/550
Instrument2026010718
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2056

January 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY FL
Recording DateJan 26, 2024
Property Address1921 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4967
Document Number0047891995
Book / Page4789 / 1995
Map ReferenceMB 42 PG 28-36
Instrument DateSep 8, 2023
Instrument2024003758
Transaction TypeTransfer
Record UpdatedFeb 26, 2024
Title CompanyUS PATRIOT TITLE LLC, US PATRIOT TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$5,005.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3480 PRESTON RIDGE RD STE 250, 250, ALPHARETTA, GA 30005-2029

Transferred To (Grantee/Buyer)

NameVerified Name
Address1921 SUMMIT RIDGE RD, ORANGE PARK, FL 32003-4967

Mortgage

Document Number0047891998
DateJan 26, 2024
Instrument4789/1998
Lender
NameCHURCHILL MORTGAGE CORP
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2054

Tax Assessment & Valuation

Source: Clay County assessment roll, as of December 3, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyClay County
Unified School DistrictClay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$586,433 (+83.78%) Land $85,000 Building $501,433$586,433 (+7.9%) Land $85,000 Building $501,433
2024$8,682.00 (+30.09%)
2023$6,674.00 (+5.07%) Homeowner's exemption$319,090 (+3%)$543,513 (+18.6%) Land $85,000 Building $458,513
2022$6,352.00 Homeowner's exemption$309,797$458,289 Land $60,000 Building $398,289

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 90 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies90 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 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 RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.07% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
AT&T
Fiber		1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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