2178 Eagle Talon Cir, Fleming Island, FL 32003 Property Records

Clay County property record for 2178 Eagle Talon Cir, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,520 sqft · built 2019
Lot Size	0.122 acres (5,357 sqft)
Owner	Individual Name on File
Last Sale	$299,990 (Nov 2019)
Tax Bill	$4,276 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Feb 2021 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-05-26-014176-016-74`

Property Details

APN / Parcel Number

Primary APN	`04-05-26-014176-016-74`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,520 sqft Heated Area
Gross Area	3,131 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,357 sqft (0.122 acres)
Pool Area	500 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2178 EAGLE TALON CIR
City	FLEMING ISLAND
State	FL
Zip	32003-4046
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 74 RESERVE AT EAGLE HARBORAS REC O R 4251 PG 109
Legal Range	26
Legal Township	05
Legal Section	04
Legal Subdivision	RESERVE/EAGLE HARBOR
Legal Lot Number	74
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	3
Census Block	3015
Census Tract	30701

Owner

2178 Eagle Talon Cir is owned and occupied by an individual who bought it in November 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2178 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
Dec 6, 2022	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Feb 10, 2021	Deed of Trust, Mortgage · Construction Mortgage AMERIS BANK
Nov 14, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC
Aug 13, 2018	Trustee's Deed, Transfer HOUSING CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2019 · Amount on File
Deed Sale	Nov 14, 2019 · Amount on File
Deed Document Number	2019060811
Deed Book / Page	4251 / 0109
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	2178 EAGLE TALON CIR, FLEMING ISLAND, FL 32003-4046
Transaction Type	Mortgage
Record Updated	Dec 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2178 EAGLE TALON CIR, FLEMING ISLAND, FL 32003-4046

Mortgage

Document Number	0046721052
Date	Dec 6, 2022
Book Page	4672/1052
Instrument	2022070686

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Dec 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	2178 EAGLE TALON CIR, FLEMING ISLAND, FL 32003-4046
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2178 EAGLE TALON CIR, ORANGE PARK, FL 32003-4046

Mortgage

Document Number	0044141976
Date	Feb 10, 2021
Book Page	4414/1976
Instrument	2021008546

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

November 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Nov 14, 2019
Property Address	2178 EAGLE TALON CIR, FLEMING ISLAND, FL 32003-4046
Document Number	0042510109
Book / Page	4251 / 0109
Map Reference	MB 59 PG 1-10
Instrument Date	Oct 30, 2019
Instrument	2019060811
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022
Title Company	GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	2178 EAGLE TALON CIR, FLEMING ISLAND, FL 32003-4046

Mortgage

Document Number	0004251111
Date	Nov 14, 2019
Instrument	4251/111

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

August 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	CLAY FL
Recording Date	Aug 13, 2018
Property Address	2178 EAGLE TALON CIR, FLEMING ISLAND, FL 32003-4046
Document Number	0041130125
Book / Page	004113 / 000125
Instrument Date	Aug 6, 2018
Instrument	42268
Transaction Type	Transfer
Record Updated	Sep 11, 2018
Title Company	DF TITLE LLC

Transaction

Amount	Amount on Record
Tax	$1,480.51
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14701 PHILIPS HWY #300 JACKSONVILLE FL 322563742, 300, JACKSONVILLE, FL 32256-3742
Investor	Possibly a Property Investor

Mortgage

Document Number	41130378
Date	Aug 13, 2018
Book Page	004113/000378
Instrument	42347

Lender

Name	HOUSING CAP
Type	Funding / Finance Company
Address	13737 NOEL RD # 800, DALLAS, TX 75240-1331

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2178 Eagle Talon Cir was $4,276 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	$4,276.00 Homeowner's exemption	$320,508	$429,558 Land $55,000 Building $374,558
2023	$6,468.00 (+5.14%) Homeowner's exemption	$302,404 (+3%)	$427,130 (+11.44%) Land $55,000 Building $372,130
2022	$6,152.00 Homeowner's exemption	$293,597	$383,293 Land $55,000 Building $328,293

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

Flood

FEMA maps place 2178 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 2178 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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