2123 White Owl Rd, Fleming Island, FL 32003 Property Records

Clay County property record for 2123 White Owl Rd, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,313 sqft · built 2005
Lot Size	0.367 acres (16,030 sqft)
Owner	Individual Name on File
Last Sale	$955,000 (Aug 2008)
Tax Bill	$9,676 (2025)
Deeds & Mortgages	Jan 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`30-04-26-021279-000-00`

Property Details

APN / Parcel Number

Primary APN	`30-04-26-021279-000-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,313 sqft Heated Area
Gross Area	4,717 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,030 sqft (0.367 acres)
Lot Dimensions	167 ft deep x 96 ft wide
Garage Area	1,052 sqft

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	510 sqft
Porch	Porch
Porch Area	352 sqft
Boat Access	Boat Access
Boat House	576 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2123 WHITE OWL RD
City	FLEMING ISLAND
State	FL
Zip	32003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 BLK Z NEILHURST AS REC OR 3043 PG 2081
Legal Range	26
Legal Township	04
Legal Section	30
Legal Subdivision	NEILHURST SEC 1
Legal Block	Z
Legal Lot Number	6
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	3
Census Block	3009
Census Tract	30704

Owner

2123 White Owl Rd is owned and occupied by an individual who bought it in August 2008.

Source: Clay County records, as of December 18, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2123 LAKESHORE DR N, FLEMING ISLAND, FL 32003-7761
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2008 · Amount on File
Deed Sale	Aug 14, 2008 · Amount on File
Prior Sale	Dec 8, 2004 · Amount on File
Deed Document Number	2008039689
Deed Book / Page	3043 / 2081
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	2123 WHITE OWL RD, FLEMING ISLAND, FL 32003
Transaction Type	Mortgage
Record Updated	Feb 21, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2123 LAKESHORE DR N, FLEMING ISLAND, FL 32003-7761

Mortgage

Document Number	0044051623
Date	Jan 21, 2021
Book Page	4405/1623
Instrument	2021004194

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Dec 29, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2123 White Owl Rd was $9,676 with a homeowner's exemption.

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	$9,676.00 Homeowner's exemption	$674,590	$913,410 Land $412,877 Building $500,533
2023	$9,389.00 (+4.17%) Homeowner's exemption	$636,485 (+3%)	$884,158 (+26.69%) Land $393,216 Building $490,942
2022	$9,013.00 Homeowner's exemption	$617,947	$697,887 Land $294,912 Building $402,975

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

Flood

FEMA maps place 2123 White Owl Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 2123 White Owl Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	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 146 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20