2032 Rivergate Dr, Fleming Island, FL 32003 Property Records

Clay County property record for 2032 Rivergate Dr, Fleming Island, FL 32003 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,793 sqft · built 2003
Lot Size	0.246 acres (10,724 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,662 (2025)
Deeds & Mortgages	Mar 2021 Transfer Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-04-26-021262-033-14`

Property Details

APN / Parcel Number

Primary APN	`31-04-26-021262-033-14`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,793 sqft Living Area
Gross Area	3,675 sqft
1st Floor Area	2,454 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,724 sqft (0.246 acres)
Garage Type	Attached
Garage Area	715 sqft
Porch	Finished Screened Porch
Porch Area	634 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2032 RIVERGATE DR
City	FLEMING ISLAND
State	FL
Zip	32003-8671
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 RIVERGATE AS REC OR 4853 PG 712
Legal Range	26E
Legal Township	04S
Legal Section	31
Legal Subdivision	RIVERGATE
Legal Lot Number	14
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	3
Census Block	3011
Census Tract	30704

Owner

Source: Clay County records · APN 31-04-26-021262-033-14

Assessment roll updated December 3, 2025 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	2032 RIVERGATE DR, FLEMING ISLAND, FL 32003-8671
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Dec 04, 2020	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 29, 2024
Deed Sale	Aug 29, 2024
Prior Sale	Dec 04, 2020 · Amount on Record
Deed Document Number	202440341
Deed Book / Page	4853 / 712
Prior Transfer Date	Mar 16, 2021
Prior Transfer Doc	0044292176
Record Updated	Sep 20, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY FL
Recording Date	Mar 16, 2021
Property Address	2032 RIVERGATE DR, FLEMING ISLAND, FL 32003-8671
Document Number	0044292176
Book / Page	4429 / 2176
Map Reference	MB 36 PG 9-13
Instrument Date	Mar 16, 2021
Instrument	2021016310
Transaction Type	Transfer
Record Updated	Jun 07, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Dec 04, 2020
Property Address	2032 RIVERGATE DR, FLEMING ISLAND, FL 32003-8671
Document Number	0043850879
Book / Page	4385 / 879
Map Reference	MB 36 PG 9-13
Instrument Date	Dec 03, 2020
Instrument	2020064066
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,045.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2032 RIVERGATE DR, FLEMING ISLAND, FL 32003-8671

Mortgage

Document Number	0004385881
Date	Dec 04, 2020
Instrument	4385/881

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated December 3, 2025 · Last verified August 2026

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	$4,662.00 (-29.52%)	$422,263 (-9.43%)	$565,298 (-2.99%) Land $85,000 Building $480,298
2024	$6,615.00 (-25.75%)
2023	$8,909.00 (+4.49%) Homeowner's exemption	$466,247 (+3%)	$582,716 (+28.73%) Land $85,000 Building $497,716
2022	$8,526.00 Homeowner's exemption	$452,667 Land $76,000 Building $376,667	$452,667 Land $76,000 Building $376,667

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 120190307043, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 128 individual NFIP policies nearby
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 Storm	Hurricane Nicole, Nov 2022 · 2 claims Hurricane Irma, Sep 2017 · 14 claims

Wildfire

Wildfire Risk	Low above 32% of the US · above 8% of Florida
Wildfire Likelihood	About 1 in 3,030 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 257 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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