Clay County property record for 2749 Richards Rd, Orange Park, FL 32073
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,624 sqft · built 1978 |
| Lot Size | 0.234 acres (10,193 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $184,000 (Jan 2018) |
| Tax Bill | $2,978 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Sep 2025 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 38-04-25-013787-293-00 |
| Primary APN | 38-04-25-013787-293-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,624 sqft Living Area |
| Gross Area | 2,170 sqft |
| 1st Floor Area | 1,624 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 10,193 sqft (0.234 acres) |
| Lot Dimensions | 120 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 546 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 176 sqft |
| Storage Building | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2749 RICHARDS RD |
|---|---|
| City | ORANGE PARK |
| State | FL |
| Zip | 32073-7240 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Description | LOT 7 BLK I LAKESIDE ESTATES UNIT 9 AS REC OR 4050 PG 1509 |
| Legal Range | 25E |
| Legal Township | 04S |
| Legal Section | 38 |
| Legal Subdivision | LAKESIDE ESTATES UNIT 9 |
| Legal Block | I |
| Legal Lot Number | 7 |
| Legal Unit | 9 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 30802 |
2749 Richards Rd is owned and occupied by two individuals who bought it in January 2018.
Source: Clay County records, as of August 3, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2749 RICHARDS RD, ORANGE PARK, FL 32073-7240 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 14, 2026 | Warranty Deed, Transfer · Conventional Mortgage SUNCOAST CREDIT UNION |
| Sep 2, 2025 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Nov 12, 2021 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Oct 29, 2020 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Nov 11, 2019 | Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS |
| Jan 25, 2018 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 25, 2018 · Amount on File |
| Deed Sale | Jan 25, 2018 · Amount on File |
| Prior Sale | May 13, 2016 · Amount on File |
| Deed Document Number | 20184316 |
| Deed Book / Page | 4050 / 1509 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jul 14, 2026 |
| Property Address | 2749 RICHARDS RD, ORANGE PARK, FL 32073-7240 |
| Document Number | 0000034555 |
| Book / Page | 5065 / 1953 |
| Instrument Date | Jul 2, 2026 |
| Instrument | 202634555 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2749 RICHARDS RD, ORANGE PARK, FL 32073-7240 |
| Document Number | 0000034590, |
|---|---|
| Date | Jul 14, 2026 |
| Book Page | 5065/2116 |
| Instrument | 202634590 |
| Name | SUNCOAST CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 2749 RICHARDS RD, ORANGE PARK, FL 32073-7240 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2749 RICHARDS RD, ORANGE PARK, FL 32073-7240 |
| Document Number | 0049642089 |
|---|---|
| Date | Sep 2, 2025 |
| Book Page | 4964/2089 |
| Instrument | 2025041222 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | CAMPBELL, CA 95008 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 2749 RICHARDS RD, ORANGE PARK, FL 32073-7240 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2021 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 2749 RICHARDS RD, ORANGE PARK, FL 32073-7240 |
| Document Number | 0045340625 |
|---|---|
| Date | Nov 12, 2021 |
| Book Page | 4534/625 |
| Instrument | 2021071717 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 2749 RICHARDS RD, ORANGE PARK, FL 32073-7240 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2749 RICHARDS RD, ORANGE PARK, FL 32073-7240 |
| Document Number | 0043700965 |
|---|---|
| Date | Oct 29, 2020 |
| Book Page | 4370/965 |
| Instrument | 2020056631 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 2749 RICHARDS RD, ORANGE PARK, FL 32073-7240 |
| Document Number | 0042511689 |
| Instrument Date | Nov 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2019 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/OREGON |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2749 RICHARDS RD ORANGE PARK FL 320737240, ORANGE PARK, FL 32073-7240 |
| Document Number | 0042511689 |
|---|---|
| Date | Nov 15, 2019 |
| Book Page | 004251/001689 |
| Instrument | 61254 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 14, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jan 25, 2018 |
| Property Address | 2749 RICHARDS RD, ORANGE PARK, FL 32073-7240 |
| Document Number | 0040501509 |
| Book / Page | 004050 / 001509 |
| Instrument Date | Jan 17, 2018 |
| Instrument | 4316 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2018 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,288.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2749 RICHARDS RD ORANGE PARK FL 320737240, ORANGE PARK, FL 32073-7240 |
| Document Number | 40501511 |
|---|---|
| Date | Jan 25, 2018 |
| Book Page | 004050/001511 |
| Instrument | 4317 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 24, 2048 |
The 2025 property tax bill for 2749 Richards Rd was $2,978 with exemptions applied.
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 | $2,978.00 Homeowner's exemption Senior Citizen's exemption | $264,898 Land $45,000 Building $219,898 | $264,898 Land $45,000 Building $219,898 |
| 2023 | $3,796.00 (+16.09%) | $252,509 (+18.32%) Land $45,000 Building $207,509 | $252,509 (+18.32%) Land $45,000 Building $207,509 |
| 2022 | $3,270.00 | $213,413 Land $25,000 Building $188,413 | $213,413 Land $25,000 Building $188,413 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2749 Richards Rd in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 20 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 4 (2009–2017) |
| Claims Outside the SFHA | 4 of 4 |
| 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 risk around 2749 Richards Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 262 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| IQ Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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