Clay County property record for 2124 Pond Spring Way, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,019 sqft · built 2001 |
| Lot Size | 0.221 acres (9,634 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,287 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Apr 2024 Second Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-05-26-014266-009-03 |
| Primary APN | 08-05-26-014266-009-03 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,019 sqft Living Area |
| Gross Area | 2,559 sqft |
| 1st Floor Area | 2,019 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Logs |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 9,634 sqft (0.221 acres) |
| Garage Type | Attached |
| Garage Area | 540 sqft |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 355 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2124 POND SPRING WAY |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-8360 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 3 THORNHILL UNIT 1 AS REC OR 4948 PG 1297 |
| Legal Range | 26E |
| Legal Township | 05S |
| Legal Section | 08 |
| Legal Subdivision | THORNHILL UNIT 1 |
| Legal Lot Number | 3 |
| Legal Unit | 1 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 30707 |
Source: Clay County records, as of May 28, 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 Record |
|---|---|
| Mailing Address | 2124 POND SPRING WAY, ORANGE PARK, FL 32003-8360 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 12, 2026 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE EXPRESS LLC |
| Apr 1, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Oct 25, 2021 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Jul 10, 2017 | Deed of Trust, Mortgage · Commercial Mortgage AMERIS BANK |
| Jun 4, 2020 | Deed of Trust, Mortgage QUICKEN LNS |
| Sep 28, 2017 | Warranty Deed, Transfer · FHA Mortgage BANK OF ENGLAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 11, 2025 |
| Deed Sale | Jul 11, 2025 |
| Prior Sale | Sep 28, 2017 · Amount on Record |
| Deed Document Number | 202531938 |
| Deed Book / Page | 4948 / 1297 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | May 12, 2026 |
| Property Address | 2124 POND SPRING WAY, FLEMING ISLAND, FL 32003-8360 |
| Document Number | 0000023250 |
| Book / Page | 5044 / 1574 |
| Instrument Date | May 5, 2026 |
| Instrument | 202623250 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0000023250, |
|---|---|
| Date | May 12, 2026 |
| Book Page | 5044/1574 |
| Instrument | 202623250 |
| Name | MORTGAGE EXPRESS LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 2124 POND SPRING WAY, FLEMING ISLAND, FL 32003-8360 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2124 POND SPRING WAY, FLEMING ISLAND, FL 32003-8360 |
| Document Number | 0048080651 |
|---|---|
| Date | Apr 1, 2024 |
| Book Page | 4808/651 |
| Instrument | 2024015086 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 2124 POND SPRING WAY, FLEMING ISLAND, FL 32003-8360 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 2124 POND SPRING WAY, FLEMING ISLAND, FL 32003-8360 |
| Document Number | 0045261198 |
|---|---|
| Date | Oct 25, 2021 |
| Book Page | 4526/1198 |
| Instrument | 2021067475 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 2124 POND SPRING WAY, FLEMING ISLAND, FL 32003-8360 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0039910449 |
|---|---|
| Date | Jul 10, 2017 |
| Book Page | 3991/0449 |
| Instrument | 2017034771 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | ORANGE PARK, FL 32073 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Jun 26, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 2124 POND SPRING WAY, FLEMING ISLAND, FL 32003-8360 |
| Document Number | 0043172128 |
| Instrument Date | Jun 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2124 POND SPRING WAY FLEMING ISLAND FL 320038360, FLEMING ISLAND, FL 32003-8360 |
| Document Number | 0043172128 |
|---|---|
| Date | Jun 15, 2020 |
| Book Page | 004317/002128 |
| Instrument | 29331 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 14, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Sep 28, 2017 |
| Property Address | 2124 POND SPRING WAY, FLEMING ISLAND, FL 32003-8360 |
| Document Number | 0040151498 |
| Book / Page | 004015 / 001498 |
| Instrument Date | Sep 26, 2017 |
| Instrument | 49270 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2018 |
| Title Company | HOMEGUARD TITLE AND TRUST, HOMEGUARD TITLE & TRUST |
| Amount | Amount Recorded |
|---|---|
| Tax | $792.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2124 POND SPRING WAY FLEMING ISLAND FL 320038360, FLEMING ISLAND, FL 32003-8360 |
| Document Number | 40151500 |
|---|---|
| Date | Sep 28, 2017 |
| Book Page | 004015/001500 |
| Instrument | 49271 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 27, 2047 |
Source: Clay County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,287.00 (-45.2%) | $190,098 (+5.99%) | $352,300 (+2.7%) Land $65,000 Building $287,300 |
| 2023 | $4,173.00 (+5.73%) Homeowner's exemption | $179,361 (+3%) | $343,035 (+25.51%) Land $65,000 Building $278,035 |
| 2022 | $3,947.00 Homeowner's exemption | $174,137 | $273,305 Land $40,000 Building $233,305 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 42 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 42 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 275 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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