2020 Rivergate Dr, Fleming Island, FL 32003 Property Records

Clay County property record for 2020 Rivergate Dr, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,239 sqft · built 2003
Lot Size	0.324 acres (14,137 sqft)
Owner	Company Name on File
Tax Bill	$5,811 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Apr 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31-04-26-021262-033-11`

Property Details

APN / Parcel Number

Primary APN	`31-04-26-021262-033-11`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,239 sqft Heated Area
Gross Area	4,286 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,137 sqft (0.324 acres)
Garage Area	660 sqft
Porch	Porch
Porch Area	387 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2020 RIVERGATE DR
City	FLEMING ISLAND
State	FL
Zip	32003-8671
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 11 RIVERGATE AS REC O R 4377 PG 2020 & 4445 PG 1360 & 4870 PG 1499
Legal Range	26
Legal Township	04
Legal Section	31
Legal Subdivision	RIVERGATE/EAGLE HARBOR
Legal Lot Number	11
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	3
Census Block	3011
Census Tract	30704

Owner

Source: Clay County records · APN 31-04-26-021262-033-11

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 Record	Company Name on File
Mailing Address	2020 RIVERGATE DR, FLEMING ISLAND, FL 32003-8671
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage OAKTREE FUNDING CORP
Apr 20, 2021	Deed, Transfer
Nov 17, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Jan 24, 2019	Loan Modification, Mortgage · Conventional Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 25, 2024
Deed Sale	Oct 25, 2024
Prior Sale	Apr 20, 2021
Deed Document Number	2024049522
Deed Book / Page	4870 / 1499
Record Updated	Jun 08, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	2020 RIVERGATE DR, FLEMING ISLAND, FL 32003-8671
Transaction Type	Mortgage
Record Updated	Dec 02, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049861454
Date	Nov 10, 2025
Book Page	4986/1454
Instrument	2025053185

Lender

Name	OAKTREE FUNDING CORP
Type	Subprime Lender
Address	CHANDLER, AZ 85226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2055

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY FL
Recording Date	Apr 20, 2021
Property Address	2020 RIVERGATE DR, FLEMING ISLAND, FL 32003-8671
Document Number	0044451360
Book / Page	4445 / 1360
Map Reference	MB 36 PG 9-13
Instrument Date	Mar 31, 2021
Instrument	2021024183
Transaction Type	Transfer
Record Updated	Jun 07, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2020 RIVERGATE DR, FLEMING ISLAND, FL 32003-8671

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Nov 17, 2020
Property Address	2020 RIVERGATE DR, FLEMING ISLAND, FL 32003-8671
Document Number	0043772020
Book / Page	004377 / 002020
Instrument Date	Nov 17, 2020
Instrument	60174
Transaction Type	Transfer
Record Updated	Dec 09, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,199.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2020 RIVERGATE DR FLEMING ISLAND FL 320038671, FLEMING ISLAND, FL 32003-8671

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY FL
Property Address	2020 RIVERGATE DR, FLEMING ISLAND, FL 32003-8671
Document Number	0041681842
Instrument Date	Jan 24, 2019
Transaction Type	Mortgage
Record Updated	Mar 08, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2020 RIVERGATE DR FLEMING ISLAND FL 320038671, FLEMING ISLAND, FL 32003-8671

Mortgage

Document Number	0041681842
Date	Feb 28, 2019
Book Page	004168/001842
Instrument	10410

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	FISHERS, IN 46037

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2049

Interest

Rate Type	Fixed Rate
Rate	5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Clay County
Unified School District	Clay 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,811.00 (-26.1%) Homeowner's exemption	$421,196 (+5.99%)	$621,415 (+4.05%) Land $85,000 Building $536,415
2023	$7,863.00 (+4.71%) Homeowner's exemption	$397,404 (+3%)	$597,236 (+28.95%) Land $85,000 Building $512,236
2022	$7,509.00 Homeowner's exemption	$385,830	$463,171 Land $76,000 Building $387,171

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (12019C), as of July 6, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120190307043, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 128 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	128 in force
Nearby Flood Claims	19 (2016–2023)
Claims Outside the SFHA	2 of 19
Most Recent Claim	Dec 2023 · other causes
Claims by Event	Hurricane Nicole, Nov 2022 · 2 claims Hurricane Irma, Sep 2017 · 14 claims

Wildfire

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 257 locations within half a mile of this property.

Nearby Properties on Rivergate Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures