228 River Rd, Orange Park, FL 32073 Property Records

Clay County property record for 228 River Rd, Orange Park, FL 32073

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,381 sqft · built 2003
Lot Size	1.25 acres (54,450 sqft)
Owner	Individual Name on Record
Tax Bill	$96 (2023)
Deeds & Mortgages	Jun 2022 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`50-04-26-018485-000-00`

Property Details

APN / Parcel Number

Primary APN	`50-04-26-018485-000-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	3,381 sqft Living Area
Gross Area	4,249 sqft
1st Floor Area	1,463 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	54,450 sqft (1.25 acres)
Lot Dimensions	416 ft deep x 131 ft wide
Garage Type	Attached
Garage Area	618 sqft
Porch	Enclosed/Finished Porch
Porch Area	620 sqft
Patio Area	333 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	228 RIVER RD
City	ORANGE PARK
State	FL
Zip	32073-3021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-2
Legal Description	LOT 2 BLK 4 W OF NEW YORK AVE & S 131 OF N 264 OF E1/2 OF LOT 16 BLK 4 SEC 1 O.P. AS REC
Legal Range	26E
Legal Township	04S
Legal Section	50
Legal Subdivision	ORANGE PARK SEC 01
Legal Block	4
Legal Lot Number	2,16
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2006
Census Tract	30600

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	228 RIVER RD, ORANGE PARK, FL 32073-3021
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Apr 16, 2021	Deed of Trust, Mortgage · VA Mortgage AFFINITY MORTGAGE LLC
May 14, 2020	Deed of Trust, Mortgage · VA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2023
Deed Sale	Aug 22, 2023
Prior Sale	Jul 14, 2016 · Amount on Record
Deed Document Number	202342605
Deed Book / Page	4750 / 977
Prior Transfer Date	Jun 5, 2012
Prior Transfer Doc	0034191111
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	228 RIVER RD, ORANGE PARK, FL 32073-3021
Transaction Type	Mortgage
Record Updated	Nov 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 RIVER RD, ORANGE PARK, FL 32073-3021

Mortgage

Document Number	0046211401
Date	Jun 27, 2022
Book Page	4621/1401
Instrument	2022039233

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Jul 14, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	228 RIVER RD, ORANGE PARK, FL 32073-3021
Transaction Type	Mortgage
Record Updated	Nov 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 HIVER RD, ORANGE PARK, FL 32073

Mortgage

Document Number	0044441843
Date	Apr 16, 2021
Book Page	4444/1843
Instrument	2021023717

Lender

Name	AFFINITY MORTGAGE LLC
Type	Mortgage Company
Address	LENEXA, KS 66215

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	228 RIVER RD, ORANGE PARK, FL 32073-3021
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043071304
Date	May 14, 2020
Book Page	4307/1304
Instrument	2020023679

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

Tax Assessment & Valuation

Source: Clay County assessment roll, as of December 3, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Clay County
Municipality	Orange Park Town
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	$435,740 (+5.99%)	$793,346 (+12.72%) Land $81,250 Building $712,096
2023	$96.00 (+33.33%) Disabled Person's exemption Veteran's exemption	$411,127 (+3%)	$703,814 (+30.42%) Land $43,750 Building $660,064
2022	$72.00 Disabled Person's exemption Veteran's exemption	$399,153	$539,669 Land $37,500 Building $502,169

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

Flood

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 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	5 (2004–2017)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 2 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

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

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF ORANGE PARK serves 8,668 people · EPA ID FL2101182
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	11 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: AT&T, Verizon.

Nearby Properties on River Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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