2797 Richards Rd, Orange Park, FL 32073 Property Records

Clay County property record for 2797 Richards Rd, Orange Park, FL 32073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,761 sqft · built 1974
Lot Size	0.237 acres (10,367 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,248 (2025)
Deeds & Mortgages	Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-04-25-013787-298-00`

Property Details

APN / Parcel Number

Primary APN	`38-04-25-013787-298-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,761 sqft Heated Area
Gross Area	2,495 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,367 sqft (0.237 acres)
Lot Dimensions	130 ft deep x 80 ft wide
Garage Area	526 sqft
Porch	Porch
Porch Area	208 sqft
Storage Building	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2797 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 12 BLK I LAKESIDE ESTATESUNIT 9 AS REC O R 790 PG 92; 863 PG 683 & 1795 PG 1212
Legal Range	25
Legal Township	04
Legal Section	38
Legal Subdivision	LAKESIDE ESTATES
Legal Block	I
Legal Lot Number	12
Legal Unit	9
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	1
Census Block	1016
Census Tract	30802

Owner

Source: Clay County records, as of December 18, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	2797 RICHARDS RD, ORANGE PARK, FL 32073-7240
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 1999
Deed Sale	May 4, 1999
Deed Document Number	0017951212
Record Updated	Jun 8, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	2797 RICHARDS RD, ORANGE PARK, FL 32073-7240
Document Number	0041731017
Instrument Date	Mar 9, 2019
Transaction Type	Mortgage
Record Updated	Apr 1, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2797 RICHARDS RD ORANGE PARK FL 320737240, ORANGE PARK, FL 32073-7240

Mortgage

Document Number	0041731017
Date	Mar 18, 2019
Book Page	004173/001017
Instrument	13345

Lender

Name	COMMUNITY FIRST CU/FL
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 17, 2029

Tax Assessment & Valuation

Source: Clay County assessment roll, as of July 1, 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	$1,248.00 (-15.27%) Homeowner's exemption	$122,024 (+5.99%)	$261,948 (+4.66%) Land $45,000 Building $216,948
2023	$1,473.00 (+12.44%) Homeowner's exemption	$115,133 (+3%)	$250,282 (+18.11%) Land $45,000 Building $205,282
2022	$1,310.00 Homeowner's exemption	$111,780	$211,908 Land $25,000 Building $186,908

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

Flood

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 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

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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 358 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	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30