Clay County property record for 2704 Shade Tree Dr, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 4,346 sqft · built 2005 |
| Lot Size | 0.536 acres (23,341 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $610,000 (Apr 2010) |
| Tax Bill | $11,546 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-05-26-014264-004-76 |
| Primary APN | 07-05-26-014264-004-76 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 4,346 sqft Living Area |
| Gross Area | 5,678 sqft |
| 1st Floor Area | 2,827 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 23,341 sqft (0.536 acres) |
| Garage Type | Attached |
| Garage Area | 756 sqft |
| Pool Area | 450 sqft |
| Porch | Finished Screened Porch |
| Porch Area | 603 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2704 SHADE TREE DR |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-4975 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 76 CYPRESS CREEK @ EAGLE HARBOR AS REC OR 4644 PG 136,4900 PG 1521 |
| Legal Range | 26E |
| Legal Township | 05S |
| Legal Section | 07 |
| Legal Subdivision | CYPRESS CREEK |
| Legal Lot Number | 76 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 30707 |
Source: Clay County records, as of August 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 2704 SHADE TREE DR, FLEMING ISLAND, FL 32003-4975 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Revocable Trust |
| Date | Document |
|---|---|
| Aug 31, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA |
| Nov 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage 121 FINANCIAL CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2010 · Amount on Record |
| Deed Sale | Apr 1, 2010 · Amount on Record |
| Prior Sale | Feb 2, 2005 · Amount on Record |
| Deed Document Number | 201016080 |
| Deed Book / Page | 3195 / 108 |
| Last Transfer Date | Feb 7, 2025 |
| Transfer Doc | 0049001521 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Aug 31, 2022 |
| Property Address | 2704 SHADE TREE DR, FLEMING ISLAND, FL 32003-4975 |
| Document Number | 0046440136 |
| Book / Page | 4644 / 136 |
| Map Reference | MB 42 PG 1-16 |
| Instrument Date | Aug 26, 2022 |
| Instrument | 2022052818 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2022 |
| Title Company | HOUWZER TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,244.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1834 ALDEN OAKS LN, 1834, CHARLOTTE, NC 28270-1803 |
| Name | Verified Name |
|---|---|
| Address | 2704 SHADE TREE DR, ORANGE PARK, FL 32003-4975 |
| Document Number | 0004644139 |
|---|---|
| Date | Aug 31, 2022 |
| Instrument | 4644/139 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Number | 0046440163 |
|---|---|
| Date | Aug 31, 2022 |
| Book Page | 4644/163 |
| Instrument | 2022052820 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Aug 25, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 2704 SHADE TREE DR, FLEMING ISLAND, FL 32003-4975 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2704 SHADE TREE DR, FLEMING ISLE, FL 32003-4975 |
| Document Number | 0043711176 |
|---|---|
| Date | Nov 2, 2020 |
| Book Page | 4371/1176 |
| Instrument | 2020057173 |
| Name | 121 FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 1, 2035 |
Source: Clay County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,546.00 (+2.91%) | $797,159 (+7.26%) Land $120,000 Building $677,159 | $797,159 (+7.26%) Land $120,000 Building $677,159 |
| 2024 | $11,220.00 (-18.96%) | ||
| 2023 | $13,845.00 (+42.17%) | $743,217 (+41.93%) Land $120,000 Building $623,217 | $743,217 (+15.27%) Land $120,000 Building $623,217 |
| 2022 | $9,738.00 Homeowner's exemption | $523,650 | $644,756 Land $90,000 Building $554,756 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · lower than 77% 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.
Source: FCC Broadband Data Collection, based on 35 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 |
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