1945 Trout River Ct, Fleming Island, FL 32003 Property Records

Clay County property record for 1945 Trout River Ct, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,010 sqft · built 1993
Lot Size	0.24 acres (10,497 sqft)
Owner	Owner Name on Record
Last Sale	$146,000 (Nov 2001)
Tax Bill	$2,180 (2023)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-05-26-014260-002-31`

Property Details

APN / Parcel Number

Primary APN	`06-05-26-014260-002-31`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,010 sqft Heated Area
Gross Area	2,690 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,497 sqft (0.24 acres)
Lot Dimensions	150 ft deep x 70 ft wide
Garage Area	360 sqft
Porch	Porch
Porch Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1945 TROUT RIVER CT
City	FLEMING ISLAND
State	FL
Zip	32003-7951
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Description	LOT 31 RIVERBEND AS REC O R 1994 PG 1897 & 2751 PG 929 FJ
Legal Range	26
Legal Township	05
Legal Section	06
Legal Subdivision	RIVERBEND
Legal Lot Number	31
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	1
Census Block	1012
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	Owner Name on Record
Mailing Address	1945 TROUT RIVER CT, FLEMING ISLAND, FL 32003-7951
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2001 · Amount on Record
Deed Sale	Nov 26, 2001 · Amount on Record
Deed Document Number	200155512
Deed Book / Page	1994 / 1897
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1945 TROUT RIVER CT, FLEMING ISLAND, FL 32003-7951
Document Number	0043250442
Instrument Date	Jun 23, 2020
Transaction Type	Mortgage
Record Updated	Jul 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1945 TROUT RIVER CT FLEMING ISLAND FL 320037951, FLEMING ISLAND, FL 32003-7951

Mortgage

Document Number	0043250442
Date	Jul 2, 2020
Book Page	004325/000442
Instrument	32863

Lender

Name	MID-CONTINENT FNDG INC
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 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	Disabled Person's exemption Veteran's exemption	$171,384 (+5.99%)	$311,711 (+1.72%) Land $50,000 Building $261,711
2023	$2,180.00 (+9.11%) Homeowner's exemption	$161,703 (+3%)	$306,448 (+16.48%) Land $50,000 Building $256,448
2022	$1,998.00 Homeowner's exemption	$156,994	$263,091 Land $50,000 Building $213,091

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
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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach

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 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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