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1985 Summit Ridge Rd, Fleming Island, FL 32003 Property Records

Clay County property record for 1985 Summit Ridge Rd, Fleming Island, FL 32003 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details5 bd · 4 ba · 4,027 sqft · built 2006
Lot Size0.482 acres (21,009 sqft)
OwnerIndividual Name on File
Last Sale$660,000 (Dec 2020)
Tax Bill$9,332 (2025)
Deeds & MortgagesAug 2022 Line of Credit
Jul 2021 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN07-05-26-014264-004-54

Property Details

APN / Parcel Number

Primary APN07-05-26-014264-004-54

Interior

Bedrooms5 Beds
Full Baths4 Baths
Stories2 Stories
Building Area4,027 sqft Heated Area
Gross Area5,963 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2006
Exterior MaterialStucco
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area21,009 sqft (0.482 acres)
Garage Area1,304 sqft

Exterior Amenities

Pool Area600 sqft
PorchPorch
Porch Area632 sqft
Pole BarnPole Barn

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address1985 SUMMIT RIDGE RD
CityFLEMING ISLAND
StateFL
Zip32003-4969
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 54 CYPRESS CREEK @ EAGLE HARBOR AS REC O R 4385 PG 1625
Legal Range26
Legal Township05
Legal Section07
Legal SubdivisionCYPRESS CREEK
Legal Lot Number54
JurisdictionCLAY FL
Township / Civil DivisionORANGE PARK
Census Block Group1
Census Block1023
Census Tract30707

Owner

Source: Clay County records · APN 07-05-26-014264-004-54

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address1985 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4969
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 10, 2022Deed of Trust, Mortgage · Line of Credit
NAVY FCU
Jul 15, 2021Deed of Trust, Mortgage · VA Mortgage
LOANUNITED.COM LLC
Dec 07, 2020Warranty Deed, Transfer · VA Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 11, 2017Deed of Trust, Mortgage · Conventional with PMI
NAVY FCU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 07, 2020 · Amount on Record
Deed SaleDec 07, 2020 · Amount on Record
Prior SaleMar 10, 2016 · Amount on Record
Deed Document Number2020064214
Deed Book / Page4385 / 1625
Record UpdatedJun 08, 2026

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY FL
Property Address1985 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4969
Transaction TypeMortgage
Record UpdatedSep 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1985 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4969

Mortgage

Document Number0046380001
DateAug 10, 2022
Book Page4638/1
Instrument2022049086
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeLine of Credit
AmountAmount Recorded
Term480 Months
DueAug 01, 2062
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY FL
Property Address1985 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4969
Transaction TypeMortgage
Record UpdatedJul 28, 2021
Title CompanySTEWART TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address1985 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4969

Mortgage

Document Number0044821303
DateJul 15, 2021
Book Page4482/1303
Instrument2021043765
Lender
NameLOANUNITED.COM LLC
TypeMortgage Company
AddressLOS ANGELES, CA 90093
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2051

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY FL
Recording DateDec 07, 2020
Property Address1985 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4969
Document Number0043851625
Book / Page4385 / 1625
Map ReferenceMB 42 PG 1-16
Instrument DateOct 28, 2020
Instrument2020064214
Transaction TypeTransfer
Record UpdatedFeb 21, 2022

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$4,620.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address629 EVENING SKY DR, 629, OVIEDO, FL 32765-4425

Transferred To (Grantee/Buyer)

NameVerified Name
Address1985 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4969

Mortgage

Document Number0043851629
DateDec 07, 2020
Instrument4385/1629
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term359 Months
DueNov 01, 2050

September 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY FL
Property Address1985 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4969
Document Number0040140193
Book / Page004014 / 000193
Instrument DateSep 11, 2017
Transaction TypeMortgage
Record UpdatedOct 12, 2017
Title CompanyNAVY FEDERAL TITLE SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1985 SUMMIT RIDGE RD FLEMING ISLAND FL 320034969, FLEMING ISLAND, FL 32003-4969

Mortgage

Document Number0040140193
DateSep 25, 2017
Book Page004014/000193
Instrument48238
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term180 Months
DueSep 24, 2032

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyClay County
Unified School DistrictClay County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$9,332.00 (-4.86%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$661,999 (+5.99%)$830,258 (+7.79%) Land $120,000 Building $710,258
2023$9,809.00 (+4.03%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$624,605 (+3%)$770,227 (+15.84%) Land $120,000 Building $650,227
2022$9,429.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$606,413$664,930 Land $90,000 Building $574,930

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (12019C), updated July 6, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120190307071, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 90 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies90 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017, river or lake flooding, Hurricane Irma

Wildfire

Wildfire RiskModerate
above 49% of the US · above 19% of Florida
Wildfire LikelihoodAbout 1 in 1,111 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 35 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
AT&TFiber1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

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