1946 Cedar River Ct, Fleming Island, FL 32003 Property Records

Clay County property record for 1946 Cedar River Ct, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,930 sqft · built 1997
Lot Size	0.18 acres (7,884 sqft)
Owner	2 Individual Names on Record
Last Sale	$113,800 (Jul 1997)
Deeds & Mortgages	Jan 2021 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-05-26-014260-002-39`

Property Details

APN / Parcel Number

Primary APN	`06-05-26-014260-002-39`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,930 sqft Heated Area
Gross Area	2,610 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,884 sqft (0.18 acres)
Lot Dimensions	120 ft deep x 66 ft wide
Garage Area	400 sqft
Porch	Porch
Porch Area	280 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1946 CEDAR RIVER CT
City	FLEMING ISLAND
State	FL
Zip	32003-7939
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Description	LOT 39 RIVERBEND AS REC O R 1671 PG 282
Legal Range	26
Legal Township	05
Legal Section	06
Legal Subdivision	RIVERBEND
Legal Lot Number	39
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	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	1946 CEDAR RIVER CT, FLEMING ISLAND, FL 32003-7939
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Dec 5, 2019	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Aug 23, 2017	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 1997 · Amount on Record
Deed Sale	Jul 31, 1997 · Amount on Record
Deed Document Number	0001671282
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1946 CEDAR RIVER CT, FLEMING ISLAND, FL 32003-7939
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	946 CEDAR RIVER CT, FLEMING ISLAND, FL 32003

Mortgage

Document Number	0044060288
Date	Jan 22, 2021
Book Page	4406/288
Instrument	2021004398

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1946 CEDAR RIVER CT, FLEMING ISLAND, FL 32003-7939
Document Number	0042590501
Instrument Date	Dec 5, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1946 CEDAR RIVER CT FLEMING ISLAND FL 320037939, FLEMING ISLAND, FL 32003-7939

Mortgage

Document Number	0042590501
Date	Dec 11, 2019
Book Page	004259/000501
Instrument	65558

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2049

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1946 CEDAR RIVER CT, FLEMING ISLAND, FL 32003-7939
Document Number	0040070834
Book / Page	004007 / 000834
Instrument Date	Aug 23, 2017
Transaction Type	Mortgage
Record Updated	Sep 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1946 CEDAR RIVER CT FLEMING ISLAND FL 320037939, FLEMING ISLAND, FL 32003-7939

Mortgage

Document Number	0040070834
Date	Aug 29, 2017
Book Page	004007/000834
Instrument	44227

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2047

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	$174,620 (+5.99%)	$323,198 (+1.77%) Land $50,000 Building $273,198
2023	Disabled Person's exemption Veteran's exemption	$164,757	$317,563 Land $50,000 Building $267,563

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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