237 N Ridge Dr, Fleming Island, FL 32003 Property Records

Clay County property record for 237 N Ridge Dr, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,087 sqft · built 1986
Lot Size	0.516 acres (22,476 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Dec 2013)
Tax Bill	$2,640 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-05-26-015189-039-00`

Property Details

APN / Parcel Number

Primary APN	`41-05-26-015189-039-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,087 sqft Living Area
Gross Area	2,486 sqft
1st Floor Area	1,607 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	22,476 sqft (0.516 acres)
Lot Dimensions	154 ft deep x 146 ft wide
Garage Type	Attached
Garage Area	399 sqft
Porch	Open/Unfinished Porch
Porch Area	200 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	237 N RIDGE DR
City	FLEMING ISLAND
State	FL
Zip	32003-8146
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 37 CEDAR RUN AS REC OR 3606 PG 970
Legal Range	26E
Legal Township	05S
Legal Section	41
Legal Subdivision	CEDAR RUN
Legal Lot Number	37
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2001
Census Tract	30701

Owner

237 N Ridge Dr is owned and occupied by an individual who bought it in December 2013.

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

Owner of Record	Individual Name on File
Mailing Address	237 N RIDGE DR, FLEMING ISLAND, FL 32003-8146
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 1, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jun 28, 2017	Deed of Trust, Mortgage · VA Mortgage FIRST FSB/FL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2013 · Amount on File
Deed Sale	Dec 27, 2013 · Amount on File
Deed Document Number	201373751
Deed Book / Page	3606 / 970
Prior Transfer Date	Apr 28, 2011
Prior Transfer Doc	0033051680
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	237 N RIDGE DR, FLEMING ISLAND, FL 32003-8146
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	237 N RIDGE DR, FLEMING ISLAND, FL 32003-8146

Mortgage

Document Number	0043600459
Date	Oct 1, 2020
Book Page	4360/459
Instrument	2020050986

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	237 N RIDGE DR, FLEMING ISLAND, FL 32003-8146
Document Number	0039960380
Book / Page	003996 / 000380
Instrument Date	Jun 28, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	237 N RIDGE DR FLEMING ISLAND FL 320038146, FLEMING ISLAND, FL 32003-8146

Mortgage

Document Number	0039960380
Date	Jul 26, 2017
Book Page	003996/000380
Instrument	37790

Lender

Name	FIRST FSB/FL
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 25, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 237 N Ridge Dr was $2,640 with exemptions applied, up 5.1% from the year before.

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	$2,640.00 (+5.1%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$223,268	$348,958 Land $75,000 Building $273,958
2024	$2,512.00 (-14.06%)
2023	$2,923.00 (+7.38%) Homeowner's exemption	$210,657 (+3%)	$356,238 (+22.33%) Land $75,000 Building $281,238
2022	$2,722.00 Homeowner's exemption	$204,522	$291,221 Land $75,000 Building $216,221

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

Flood

FEMA maps place 237 N Ridge Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 191 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	191 in force
Nearby Flood Claims	57 (1980–2024)
Claims Outside the SFHA	31 of 57
Most Recent Claim	Sep 2024 · other causes
Claims by Event	Hurricane Nicole, Nov 2022 · 2 claims Hurricane Irma, Sep 2017 · 38 claims Hurricane Frances, Sep 2004 · 5 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 237 N Ridge Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 156 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
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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