Clay County property record for 1982 Summit Ridge Rd, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,318 sqft · built 2005 |
| Lot Size | 0.399 acres (17,408 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $569,000 (Nov 2020) |
| Tax Bill | $7,538 (2025) |
| Deeds & Mortgages | Sep 2020 Line of Credit Nov 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-05-26-014264-004-86 |
| Primary APN | 07-05-26-014264-004-86 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 3,318 sqft Heated Area |
| Gross Area | 4,494 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 17,408 sqft (0.399 acres) |
| Garage Area | 768 sqft |
| Pool Area | 392 sqft |
| Porch | Porch |
| Porch Area | 408 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1982 SUMMIT RIDGE RD |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-4965 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 86 CYPRESS CREEK @ EAGLE HARBOR AS REC O R 4377 PG 1671 |
| Legal Range | 26 |
| Legal Township | 05 |
| Legal Section | 07 |
| Legal Subdivision | CYPRESS CREEK |
| Legal Lot Number | 86 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1982 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4965 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 28, 2020 | Deed of Trust, Mortgage · Line of Credit TOWER FCU |
| Nov 16, 2020 | Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP |
| Mar 1, 2018 | Warranty Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 16, 2020 · Amount on Record |
| Deed Sale | Nov 16, 2020 · Amount on Record |
| Prior Sale | Mar 1, 2018 · Amount on Record |
| Deed Document Number | 2020060100 |
| Deed Book / Page | 4377 / 1671 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 1982 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4965 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1982 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4965 |
| Document Number | 0043581149 |
|---|---|
| Date | Sep 28, 2020 |
| Book Page | 4358/1149 |
| Instrument | 2020050115 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 25, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Nov 16, 2020 |
| Property Address | 1982 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4965 |
| Document Number | 0043771671 |
| Book / Page | 4377 / 1671 |
| Map Reference | MB 42 PG 1-16 |
| Instrument Date | Nov 3, 2020 |
| Instrument | 2020060100 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2022 |
| Title Company | GOLDEN DOG TITLE AND TRUST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,983.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7632 RIVER AVE, 7632, FLEMING ISLAND, FL 32003-8702 |
| Name | Verified Name |
|---|---|
| Address | 1982 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4965 |
| Document Number | 0043771673 |
|---|---|
| Date | Nov 16, 2020 |
| Instrument | 4377/1673 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Mar 1, 2018 |
| Property Address | 1982 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4965 |
| Document Number | 0040600346 |
| Book / Page | 4060 / 0346 |
| Map Reference | MB42 PG1-16 |
| Instrument Date | Feb 28, 2018 |
| Instrument | 2018010559 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2022 |
| Title Company | HIOME SHIELD TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1500 CALMING WATER DR UNIT 3503, 1500, FLEMING ISLAND, FL 32003-3480 |
| Name | Verified Name |
|---|---|
| Address | 1982 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4965 |
| Document Number | 2018010560 |
|---|---|
| Date | Mar 1, 2018 |
| Instrument | 2018010560 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2048 |
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 | $7,538.00 (-21.62%) Homeowner's exemption | $534,377 (+5.99%) | $667,430 (+7.22%) Land $120,000 Building $547,430 |
| 2023 | $9,617.00 (+4.33%) Homeowner's exemption | $504,192 (+3%) | $622,509 (+16.72%) Land $120,000 Building $502,509 |
| 2022 | $9,218.00 Homeowner's exemption | $489,507 | $533,327 Land $90,000 Building $443,327 |
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 |
|---|---|
| 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.
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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