2165 Eagle Talon Cir, Fleming Island, FL 32003 Property Records

Clay County property record for 2165 Eagle Talon Cir, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,488 sqft · built 2018
Lot Size	0.123 acres (5,357 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (May 2019)
Tax Bill	$3,813 (2024)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-05-26-014176-016-16`

Property Details

APN / Parcel Number

Primary APN	`04-05-26-014176-016-16`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,488 sqft Living Area
Gross Area	2,905 sqft
1st Floor Area	1,184 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,357 sqft (0.123 acres)
Garage Type	Attached
Garage Area	417 sqft
Porch	Finished/Open Porch
Porch Area	226 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2165 EAGLE TALON CIR
City	FLEMING ISLAND
State	FL
Zip	32003-4046
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 RESERVE AT EAGLE HARBOR AS REC OR 4193 PG 516
Legal Range	26E
Legal Township	05S
Legal Section	04
Legal Subdivision	RESERVE AT EAGLE HARBOR
Legal Lot Number	16
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	3
Census Block	3013
Census Tract	30701

Owner

2165 Eagle Talon Cir is owned and occupied by an individual who acquired it in August 2020.

Source: Clay County records, as of December 3, 2025

Owner of Record	Individual Name on File
Mailing Address	2165 EAGLE TALON CIR, FLEMING ISLAND, FL 32003-4046
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

Date	Document
Oct 28, 2025	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 19, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 21, 2019	Warranty Deed, Subdivision Related Transfer · VA Mortgage JET HOMELOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2019 · Amount on File
Deed Sale	May 21, 2019 · Amount on File
Deed Document Number	201925668
Deed Book / Page	4193 / 516
Last Transfer Date	Aug 24, 2020
Transfer Doc	0000043226
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	2165 EAGLE TALON CIR, FLEMING ISLAND, FL 32003-4046
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2165 EAGLE TALON CIR, FLEMING ISLAND, FL 32003-4046

Mortgage

Document Number	0049821060
Date	Oct 28, 2025
Book Page	4982/1060
Instrument	2025050891

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	2165 EAGLE TALON CIR, FLEMING ISLAND, FL 32003-4046
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043790677
Date	Nov 19, 2020
Book Page	4379/677
Instrument	2020060886

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	344 Months
Due	Jul 1, 2049

May 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	May 21, 2019
Property Address	2165 EAGLE TALON CIR, FLEMING ISLAND, FL 32003-4046
Document Number	0041930516
Book / Page	4193 / 0516
Map Reference	MB 59 PG 1-10
Instrument Date	May 14, 2019
Instrument	2019025668
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022
Title Company	GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2165 EAGLE TALON CIR, FLEMING ISLAND, FL 32003-4046

Mortgage

Document Number	0004193518
Date	May 21, 2019
Instrument	4193/518

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

Source: Clay County assessment roll, as of December 3, 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	Veteran's exemption	$302,116	$403,405 Land $55,000 Building $348,405
2024	$3,813.00 (-38.54%)
2023	$6,204.00 (+5.22%) Homeowner's exemption	$285,051 (+3%)	$402,440 (+10.33%) Land $55,000 Building $347,440
2022	$5,896.00 Homeowner's exemption	$276,749	$364,758 Land $55,000 Building $309,758

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

Flood

FEMA maps place 2165 Eagle Talon Cir in Zone X, an area of minimal flood risk, though there have been 47 flood claims nearby since 1992.

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 File median of 81 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	81 in force
Nearby Flood Claims	47 (1992–2022)
Claims Outside the SFHA	24 of 47
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Irma, Sep 2017 · 25 claims Tropical Storm Debby, Jul 2012 · 2 claims Hurricane Frances, Sep 2004 · 12 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 2165 Eagle Talon Cir 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 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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