2197 Eagle Talon Cir, Fleming Island, FL 32003 Property Records

Clay County property record for 2197 Eagle Talon Cir, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,461 sqft · built 2019
Lot Size	0.195 acres (8,537 sqft)
Owner	Individual Name on File
Last Sale	$382,997 (Dec 2019)
Tax Bill	$2,589 (2025)
Deeds & Mortgages	May 2021 Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-05-26-014176-016-26`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,461 sqft Heated Area
Gross Area	3,108 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,537 sqft (0.195 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2197 EAGLE TALON CIR
City	FLEMING ISLAND
State	FL
Zip	32003-4046
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 26 RESERVE AT EAGLE HARBORAS REC O R 4263 PG 454
Legal Range	26
Legal Township	05
Legal Section	04
Legal Subdivision	RESERVE/EAGLE HARBOR
Legal Lot Number	26
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	3
Census Block	3013
Census Tract	30701

Owner

2197 Eagle Talon Cir is owned and occupied by an individual who bought it in December 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	2197 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
May 20, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 23, 2019	Warranty Deed, Subdivision Related Transfer · VA Mortgage JET HOMELOANS LLC
Feb 26, 2019	Loan Modification, Mortgage · Line of Credit FLAGSTAR BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2019 · Amount on File
Deed Sale	Dec 23, 2019 · Amount on File
Deed Document Number	2019067854
Deed Book / Page	4263 / 0454
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	2197 EAGLE TALON CIR, FLEMING ISLAND, FL 32003-4046
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2197 EAGLE TALON CIR, FLEMING ISLAND, FL 32003-4046

Mortgage

Document Number	0044581973
Date	May 20, 2021
Book Page	4458/1973
Instrument	2021031308

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

December 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Dec 23, 2019
Property Address	2197 EAGLE TALON CIR, FLEMING ISLAND, FL 32003-4046
Document Number	0042630454
Book / Page	4263 / 0454
Map Reference	MB 59 PG 1-10
Instrument Date	Dec 16, 2019
Instrument	2019067854
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	$2,681.00
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	2197 EAGLE TALON CIR, FLEMING ISLAND, FL 32003-4046

Mortgage

Document Number	0004263456
Date	Dec 23, 2019
Instrument	4263/456

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 2, 2050

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY FL
Recording Date	Feb 26, 2019
Property Address	2197 EAGLE TALON CIR, FLEMING ISLAND, FL 32003-4046
Document Number	0041680001
Book / Page	004168 / 000001
Instrument Date	Feb 22, 2019
Instrument	9949
Transaction Type	Mortgage
Record Updated	Mar 11, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2197 EAGLE TALON CIR FLEMING ISLAND FL 320034046, FLEMING ISLAND, FL 32003-4046

Mortgage

Document Number	41680001
Date	Feb 26, 2019
Book Page	004168/000001
Instrument	9949

Lender

Name	FLAGSTAR BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2197 Eagle Talon Cir was $2,589 with exemptions applied.

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	$2,589.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$219,891	$403,800 Land $55,000 Building $348,800
2023	$4,874.00 (+4.46%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$207,470 (+3%)	$401,015 (+10.32%) Land $55,000 Building $346,015
2022	$4,666.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$201,428	$363,486 Land $55,000 Building $308,486

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

Flood

FEMA maps place 2197 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 2197 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.

Nearby Properties on Eagle Talon Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures