Clay County property record for 1981 Summit Ridge Rd, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4 ba · 4,243 sqft · built 2006 |
| Lot Size | 0.485 acres (21,148 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $595,300 (Mar 2006) |
| Tax Bill | $11,751 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Jan 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-05-26-014264-004-53 |
| Primary APN | 07-05-26-014264-004-53 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 4,243 sqft Heated Area |
| Gross Area | 5,464 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,148 sqft (0.485 acres) |
| Garage Area | 735 sqft |
| Pool Area | 416 sqft |
| Porch | Porch |
| Porch Area | 486 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1981 SUMMIT RIDGE RD |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-4969 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 53 CYPRESS CREEK @ EAGLE HARBOR AS REC O R 4155 PG 2148 |
| Legal Range | 26 |
| Legal Township | 05 |
| Legal Section | 07 |
| Legal Subdivision | CYPRESS CREEK |
| Legal Lot Number | 53 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 30707 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 1981 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4969 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TIAA FSB |
| Jan 10, 2019 | Warranty Deed, Transfer · Conventional Mortgage TIAA FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 29, 2006 · Amount on Record |
| Deed Sale | Mar 29, 2006 · Amount on Record |
| Prior Sale | Mar 29, 2006 · Amount on Record |
| Deed Document Number | 0027000254 |
| Last Transfer Date | Jan 10, 2019 |
| Transfer Doc | 0041552148 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 1981 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4969 |
| Document Number | 0043262154 |
| Instrument Date | Jul 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1981 SUMMIT RIDGE RD FLEMING ISLAND FL 320034969, FLEMING ISLAND, FL 32003-4969 |
| Document Number | 0043262154 |
|---|---|
| Date | Jul 8, 2020 |
| Book Page | 004326/002154 |
| Instrument | 33745 |
| Name | TIAA FSB |
|---|---|
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 7, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jan 10, 2019 |
| Property Address | 1981 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4969 |
| Document Number | 0041552148 |
| Book / Page | 004155 / 002148 |
| Instrument Date | Jan 9, 2019 |
| Instrument | 1885 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,640.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1981 SUMMIT RIDGE RD FLEMING ISLAND FL 320034969, FLEMING ISLAND, FL 32003-4969 |
| Document Number | 41552151 |
|---|---|
| Date | Jan 10, 2019 |
| Book Page | 004155/002151 |
| Instrument | 1886 |
| Name | TIAA FSB |
|---|---|
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 9, 2034 |
Source: Clay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,751.00 (-9.16%) | $770,477 (+6.49%) Land $120,000 Building $650,477 | $770,477 (+6.49%) Land $120,000 Building $650,477 |
| 2023 | $12,936.00 (+11.83%) | $723,549 (+17.05%) Land $120,000 Building $603,549 | $723,549 (+17.05%) Land $120,000 Building $603,549 |
| 2022 | $11,568.00 | $618,168 Land $90,000 Building $528,168 | $618,168 Land $90,000 Building $528,168 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · lower than 81% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 35 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 |
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