2028 Rivergate Dr, Fleming Island, FL 32003 Property Records

Clay County property record for 2028 Rivergate Dr, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,780 sqft · built 2002
Lot Size	0.241 acres (10,512 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Sep 2020)
Tax Bill	$5,145 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-04-26-021262-033-13`

Property Details

APN / Parcel Number

Primary APN	`31-04-26-021262-033-13`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,780 sqft Heated Area
Gross Area	3,898 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,512 sqft (0.241 acres)
Garage Area	638 sqft
Porch	Porch
Porch Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2028 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 13 RIVERGATE AS REC O R 4354 PG 62
Legal Range	26
Legal Township	04
Legal Section	31
Legal Subdivision	RIVERGATE/EAGLE HARBOR
Legal Lot Number	13
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	3
Census Block	3011
Census Tract	30704

Owner

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
Co-owner	Co-owner on Record
Mailing Address	2028 RIVERGATE DR, FLEMING ISLAND, FL 32003-8671
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2020 · Amount on Record
Deed Sale	Sep 16, 2020 · Amount on Record
Prior Sale	Aug 13, 2013 · Amount on Record
Deed Document Number	2020047740
Deed Book / Page	4354 / 62
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Sep 16, 2020
Property Address	2028 RIVERGATE DR, FLEMING ISLAND, FL 32003-8671
Document Number	0043540062
Book / Page	4354 / 62
Map Reference	MB 36 PG 9-13
Instrument Date	Sep 10, 2020
Instrument	2020047740
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	COMPASS CLOSINGS & TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	237 ADAMS LN, 237, FLEMING ISLAND, FL 32003-7870

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2028 RIVERGATE DR, FLEMING ISLAND, FL 32003-8671

Mortgage

Document Number	0000435464
Date	Sep 16, 2020
Instrument	4354/64

Lender

Name	EQUITY RESOURCES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

Source: Clay County assessment roll, as of July 1, 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	$5,145.00 (-28.87%) Homeowner's exemption Widower's exemption	$382,519 (+5.99%)	$551,034 (+3.96%) Land $85,000 Building $466,034
2023	$7,233.00 (+3.89%) Homeowner's exemption Widower's exemption	$360,912 (+3%)	$530,030 (+28.25%) Land $85,000 Building $445,030
2022	$6,962.00 Homeowner's exemption Widower's exemption	$350,400	$413,269 Land $76,000 Building $337,269

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 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

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

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 257 locations within half a mile, as of December 31, 2025

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 Fixed Wireless	100 / 20