2566 Ferntree Ln, Fleming Island, FL 32003 Property Records

Clay County property record for 2566 Ferntree Ln, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,964 sqft · built 2004
Lot Size	0.452 acres (19,687 sqft)
Owner	2 Individual Names on File
Last Sale	$482,100 (Jun 2004)
Tax Bill	$2,236 (2023)
Deeds & Mortgages	Jun 2021 Mortgage May 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-05-26-014264-004-29`

Property Details

APN / Parcel Number

Primary APN	`08-05-26-014264-004-29`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,964 sqft Living Area
Gross Area	4,951 sqft
1st Floor Area	2,454 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	19,687 sqft (0.452 acres)
Garage Type	Attached
Garage Area	690 sqft
Porch	Finished Screened Porch
Porch Area	352 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2566 FERNTREE LN
City	FLEMING ISLAND
State	FL
Zip	32003-4979
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 29 CYPRESS CREEK @ EAGLE HARBOR AS REC OR 2389 PG 1313
Legal Range	26E
Legal Township	05S
Legal Section	08
Legal Subdivision	CYPRESS CREEK
Legal Lot Number	29
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	1
Census Block	1023
Census Tract	30707

Owner

2566 Ferntree Ln is owned and occupied by two individuals who acquired it in May 2026.

Source: Clay County records, as of June 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2566 FERNTREE LN, FLEMING ISLAND, FL 32003-4979
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 11, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
May 22, 2026	Warranty Deed, Transfer · Conventional Mortgage NEST HOME LENDING LLC
Aug 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2004 · Amount on File
Deed Sale	Jun 17, 2004 · Amount on File
Prior Sale	Dec 11, 2003 · Amount on File
Deed Document Number	200451401
Deed Book / Page	2389 / 1313
Last Transfer Date	May 21, 2026
Transfer Doc	0000025139
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	2566 FERNTREE LN, FLEMING ISLAND, FL 32003-4979
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2566 FERNTREE LN, FLEMING ISLAND, FL 32003-4979

Mortgage

Document Number	0044680689
Date	Jun 11, 2021
Book Page	4468/689
Instrument	2021036420

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	May 22, 2026
Property Address	2566 FERNTREE LN, FLEMING ISLAND, FL 32003-4979
Document Number	0000025139
Book / Page	5048 / 578
Instrument Date	May 21, 2026
Instrument	202625139
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2566 FERNTREE LN, FLEMING ISLAND, FL 32003-4979

Mortgage

Document Number	0000025140,
Date	May 22, 2026
Book Page	5048/580
Instrument	202625140

Lender

Name	NEST HOME LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	2566 FERNTREE LN, FLEMING ISLAND, FL 32003-4979
Document Number	0040092055
Book / Page	004009 / 002055
Instrument Date	Aug 23, 2017
Transaction Type	Mortgage
Record Updated	Oct 4, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO NA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2566 FERNTREE LN FLEMING ISLAND FL 320034979, FLEMING ISLAND, FL 32003-4979

Mortgage

Document Number	0040092055
Date	Sep 5, 2017
Book Page	004009/002055
Instrument	45698

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 4, 2032

Tax Assessment & Valuation

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	Veteran's exemption	$479,817	$682,336 Land $120,000 Building $562,336
2023	$2,236.00 (+3.52%) Disabled Person's exemption Veteran's exemption	$452,714 (+3%)	$633,622 (+15.87%) Land $120,000 Building $513,622
2022	$2,160.00 Disabled Person's exemption Veteran's exemption	$439,529	$546,831 Land $90,000 Building $456,831

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

Flood

FEMA maps place 2566 Ferntree Ln 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 90 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	90 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 2566 Ferntree Ln is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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