2343 Watermill Dr, Orange Park, FL 32073 Property Records

Clay County property record for 2343 Watermill Dr, Orange Park, FL 32073

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,600 sqft · built 2002
Lot Size	0.272 acres (11,861 sqft)
Owner	Individual Name on Record
Last Sale	$463,500 (Sep 2025)
Tax Bill	$4,358 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`03-04-25-007862-006-24`

Property Details

APN / Parcel Number

Primary APN	`03-04-25-007862-006-24`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,600 sqft Heated Area
Gross Area	4,457 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,861 sqft (0.272 acres)
Garage Area	380 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Porch
Porch Area	413 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2343 WATERMILL DR
City	ORANGE PARK
State	FL
Zip	32073-1635
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE
Legal Description	LOT 24 SPENCER ISLAND AS REC OR 4066 PG 2168 & 4383 PG 1954
Legal Range	25
Legal Township	04
Legal Section	03
Legal Subdivision	SPENCER ISLAND
Legal Lot Number	24
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	2
Census Block	2000
Census Tract	30206

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2343 WATERMILL DR, ORANGE PARK, FL 32073-1635
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2025	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK NA
Dec 1, 2020	Quit Claim Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 26, 2018	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2025 · Amount on Record
Deed Sale	Sep 3, 2025 · Amount on Record
Prior Sale	Dec 1, 2020 · Amount on Record
Deed Document Number	2025041679
Deed Book / Page	4965 / 1946
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Sep 3, 2025
Property Address	2343 WATERMILL DR, ORANGE PARK, FL 32073-1635
Document Number	0049651946
Book / Page	4965 / 1946
Map Reference	MB 37 PG 60-65
Instrument Date	Sep 2, 2025
Instrument	2025041679
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	EVEREST SETTLEMENT SERVICES, EVERGREEN SETTLEMENT SVCS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,244.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6500 LAKE GRAY BLVD APT 1117, 1117, JACKSONVILLE, FL 32244-7551

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2343 WATERMILL DR, ORANGE PARK, FL 32073-1635

Mortgage

Document Number	0049651948
Date	Sep 3, 2025
Instrument	4965/1948

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY FL
Recording Date	Dec 1, 2020
Property Address	2343 WATERMILL DR, ORANGE PARK, FL 32073-1635
Document Number	0043831954
Book / Page	4383 / 1954
Map Reference	MB 37 PG 60-65
Instrument Date	Nov 20, 2020
Instrument	2020063240
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	LANDMARK TITLE

Transaction

Amount	Amount Recorded
Tax	$1,005.90
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2343 WATERMILL DR, 2343, ORANGE PARK, FL 32073-1635

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2343 WATERMILL DR, ORANGE PARK, FL 32073-1635

Mortgage

Document Number	0043831958
Date	Dec 1, 2020
Instrument	4383/1958

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Mar 26, 2018
Property Address	2343 WATERMILL DR, ORANGE PARK, FL 32073-1635
Document Number	0040662168
Book / Page	004066 / 002168
Instrument Date	Mar 23, 2018
Instrument	14807
Transaction Type	Transfer
Record Updated	Apr 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,141.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2342 WATERMILL DR ORANGE PARK FL 32073, ORANGE PARK, FL 32073

Mortgage

Document Number	40662169
Date	Mar 26, 2018
Book Page	004066/002169
Instrument	14808

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2048

Tax Assessment & Valuation

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	$4,358.00 (+4.76%) Homeowner's exemption	$325,910 (+2.9%)	$419,629 (+1.29%) Land $45,000 Building $374,629
2024	$4,160.00 (-5.33%) Homeowner's exemption	$316,725 (+3%)	$414,279 (-0.14%) Land $45,000 Building $369,279
2023	$4,394.00 (+5.83%) Homeowner's exemption	$307,500 (+3%)	$414,869 (+12.41%) Land $45,000 Building $369,869
2022	$4,152.00 Homeowner's exemption	$298,544	$369,083 Land $40,000 Building $329,083

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	6 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.

Wildfire

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

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.06% 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	ORANGE PARK GRID private · serves 127,904 people · EPA ID FL2100741
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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