1949 Cedar River Ct, Fleming Island, FL 32003 Property Records

Clay County property record for 1949 Cedar River Ct, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,714 sqft · built 1997
Lot Size	0.214 acres (9,321 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,764 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-05-26-014260-002-44`

Property Details

APN / Parcel Number

Primary APN	`06-05-26-014260-002-44`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,714 sqft Living Area
Gross Area	2,114 sqft
1st Floor Area	1,714 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,321 sqft (0.214 acres)
Lot Dimensions	117 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	400 sqft
Porch	Screened/Unfinished Porch
Porch Area	168 sqft
Patio Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1949 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 44 RIVERBEND AS REC OR 4638 PG 679
Legal Range	26E
Legal Township	05S
Legal Section	06
Legal Subdivision	RIVERBEND
Legal Lot Number	44
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 May 19, 2026

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
Mailing Address	1949 CEDAR RIVER CT, FLEMING ISLAND, FL 32003-7939
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Aug 11, 2022	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2022
Deed Sale	Aug 11, 2022
Prior Sale	Oct 30, 2002 · Amount on Record
Deed Document Number	202249272
Deed Book / Page	4638 / 679
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Recording Date	Apr 28, 2026
Property Address	1949 CEDAR RIVER CT, FLEMING ISLAND, FL 32003-7939
Document Number	0000020433
Book / Page	5039 / 1195
Instrument Date	Apr 3, 2026
Instrument	202620433
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1949 CEDAR RIVER CT, FLEMING ISLAND, FL 32003-7939
Investor	Possibly a Property Investor

Mortgage

Document Number	0000020433,
Date	Apr 28, 2026
Book Page	5039/1195
Instrument	202620433

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6%
Max Rate	-1%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Aug 11, 2022
Property Address	1949 CEDAR RIVER CT, FLEMING ISLAND, FL 32003-7939
Document Number	0046380679
Book / Page	4638 / 679
Map Reference	MB 24 PG 36-40
Instrument Date	Aug 10, 2022
Instrument	2022049272
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,443.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1949 CEDAR RIVER CT, FLEMING ISLAND, FL 32003-7939
Investor	Possibly a Property Investor

Mortgage

Document Number	0004638681
Date	Aug 11, 2022
Instrument	4638/681

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

Source: Clay County assessment roll, as of December 3, 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	$3,764.00 (+1.18%) Homeowner's exemption	$286,985 (+1.74%) Land $50,000 Building $236,985	$286,985 (+1.74%) Land $50,000 Building $236,985
2024	$3,720.00 (-7.19%)
2023	$4,008.00 (+116.06%) Homeowner's exemption	$282,090 (+91.2%) Land $50,000 Building $232,090	$282,090 (+16.23%) Land $50,000 Building $232,090
2022	$1,855.00 Homeowner's exemption	$147,540	$242,693 Land $50,000 Building $192,693

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	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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