Clay County property record for 2732 Shade Tree Dr, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,865 sqft · built 2006 |
| Lot Size | 0.41 acres (17,876 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $650,000 (Feb 2021) |
| Tax Bill | $8,651 (2025) |
| Deeds & Mortgages | May 2018 Line of Credit Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-05-26-014264-004-70 |
| Primary APN | 07-05-26-014264-004-70 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,865 sqft Heated Area |
| Gross Area | 5,818 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 17,876 sqft (0.41 acres) |
| Garage Area | 640 sqft |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 264 sqft |
| Porch | Porch |
| Porch Area | 1,313 sqft |
| Patio Area | 16 sqft |
| Balcony | Balcony |
| Balcony Area | 16 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2732 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 70 CYPRESS CREEK @ EAGLE HARBOR AS REC O R 4419 PG 661 |
| Legal Range | 26 |
| Legal Township | 05 |
| Legal Section | 07 |
| Legal Subdivision | CYPRESS CREEK |
| Legal Lot Number | 70 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 30707 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 2732 SHADE TREE DR, FLEMING ISLAND, FL 32003-4975 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 16, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Aug 6, 2020 | Deed of Trust, Mortgage · VA Mortgage SYNERGY ONE LENDING |
| Feb 22, 2021 | Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 22, 2021 · Amount on Record |
| Deed Sale | Feb 22, 2021 · Amount on Record |
| Prior Sale | Jun 24, 2014 · Amount on Record |
| Deed Document Number | 2021010770 |
| Deed Book / Page | 4419 / 661 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 2732 SHADE TREE DR, FLEMING ISLAND, FL 32003-4975 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0040840210 |
|---|---|
| Date | May 16, 2018 |
| Book Page | 4084/0210 |
| Instrument | 2018024926 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 4, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 2732 SHADE TREE DR, FLEMING ISLAND, FL 32003-4975 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0043380048 |
|---|---|
| Date | Aug 6, 2020 |
| Book Page | 4338/48 |
| Instrument | 2020039514 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Mortgage Company |
| Address | LOMBARD, IL 60148 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Feb 22, 2021 |
| Property Address | 2732 SHADE TREE DR, FLEMING ISLAND, FL 32003-4975 |
| Document Number | 0044190661 |
| Book / Page | 4419 / 661 |
| Map Reference | MB 42 PG 1-16 |
| Instrument Date | Feb 17, 2021 |
| Instrument | 2021010770 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2022 |
| Title Company | GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,550.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 131 E MILESTONE DR, 131, INLET BEACH, FL 32461-0871 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 2732 SHADE TREE DR, FLEMING ISLAND, FL 32003-4975 |
| Document Number | 0004419663 |
|---|---|
| Date | Feb 22, 2021 |
| Instrument | 4419/663 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
Source: Clay County assessment roll, as of July 1, 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 | $8,651.00 (-18.87%) Homeowner's exemption | $607,374 (+5.99%) | $712,665 (+6.53%) Land $120,000 Building $592,665 |
| 2023 | $10,663.00 (+4.17%) Homeowner's exemption | $573,066 (+3%) | $668,982 (+16.55%) Land $120,000 Building $548,982 |
| 2022 | $10,236.00 Homeowner's exemption | $556,375 | $573,994 Land $90,000 Building $483,994 |
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 500 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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