2044 Rivergate Dr, Fleming Island, FL 32003 Property Records

Clay County property record for 2044 Rivergate Dr, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,754 sqft · built 2002
Lot Size	0.342 acres (14,905 sqft)
Owner	2 Individual Names on File
Tax Bill	$8,235 (2025)
Deeds & Mortgages	May 2021 Mortgage Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-04-26-021262-033-17`

Property Details

APN / Parcel Number

Primary APN	`31-04-26-021262-033-17`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,754 sqft Living Area
Gross Area	3,898 sqft
1st Floor Area	2,418 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	14,905 sqft (0.342 acres)
Garage Type	Attached
Garage Area	748 sqft
Pool Area	480 sqft
Porch	Finished Screened Porch
Porch Area	440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2044 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 17 RIVERGATE AS REC OR 4844 PG 296
Legal Range	26E
Legal Township	04S
Legal Section	31
Legal Subdivision	RIVERGATE
Legal Lot Number	17
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	3
Census Block	3011
Census Tract	30704

Owner

Source: Clay County records · APN 31-04-26-021262-033-17

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	2044 RIVERGATE DR, FLEMING ISLAND, FL 32003-8671
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 05, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jun 01, 2020	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS
Apr 03, 2018	Warranty Deed, Transfer · FHA Mortgage NORWICH COMMERCIAL GROUP INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 29, 2024
Deed Sale	Jul 29, 2024
Prior Sale	Jun 01, 2020 · Amount on Record
Deed Document Number	202435239
Deed Book / Page	4844 / 296
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	2044 RIVERGATE DR, FLEMING ISLAND, FL 32003-8671
Transaction Type	Mortgage
Record Updated	May 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044521073
Date	May 05, 2021
Book Page	4452/1073
Instrument	2021027802

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 01, 2036

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jun 01, 2020
Property Address	2044 RIVERGATE DR, FLEMING ISLAND, FL 32003-8671
Document Number	0043130039
Book / Page	004313 / 000039
Instrument Date	May 29, 2020
Instrument	26616
Transaction Type	Transfer
Record Updated	Jun 15, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2044 RIVERGATE DR FLEMING ISLAND FL 320038671, FLEMING ISLAND, FL 32003-8671

Mortgage

Document Number	43130043
Date	Jun 01, 2020
Book Page	004313/000043
Instrument	26618

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 31, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Apr 03, 2018
Property Address	2044 RIVERGATE DR, FLEMING ISLAND, FL 32003-8671
Document Number	0040691229
Book / Page	4069 / 1229
Map Reference	MB36 PG9-13
Instrument Date	Mar 23, 2018
Instrument	2018016237
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	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1959 LAKESHORE DR N, 1959, FLEMING ISLAND, FL 32003-7762

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	2044 RIVERGATE DR, FLEMING ISLAND, FL 32003-8671

Mortgage

Document Number	2018016238
Date	Apr 03, 2018
Instrument	2018016238

Lender

Name	NORWICH COMMERCIAL GROUP INC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2048

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	$8,235.00 (+39.36%)	$580,113 (+37.93%) Land $85,000 Building $495,113	$580,113 (-6.57%) Land $85,000 Building $495,113
2024	$5,909.00 (-28.08%)
2023	$8,216.00 (+4.64%) Homeowner's exemption	$420,598 (+3%)	$620,899 (+29.25%) Land $85,000 Building $535,899
2022	$7,852.00 Homeowner's exemption	$408,348	$480,391 Land $76,000 Building $404,391

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 6, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% 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.

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