287 N Ridge Dr, Fleming Island, FL 32003 Property Records

Clay County property record for 287 N Ridge Dr, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,446 sqft · built 1984
Lot Size	0.576 acres (25,134 sqft)
Owner	Individual Name on File
Last Sale	$558,000 (Sep 2023)
Tax Bill	$5,746 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Mar 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-05-26-015189-042-00`

Property Details

APN / Parcel Number

Primary APN	`41-05-26-015189-042-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,446 sqft Heated Area
Gross Area	3,577 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	25,134 sqft (0.576 acres)
Lot Dimensions	215 ft deep x 117 ft wide
Garage Area	400 sqft

Exterior Amenities

Pool Area	312 sqft
Porch	Porch
Porch Area	472 sqft
Patio Area	155 sqft
Storage Building	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	287 N RIDGE DR
City	FLEMING ISLAND
State	FL
Zip	32003-8146
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 40 CEDAR RUN AS REC O R 4760 PG 1122
Legal Range	26
Legal Township	05
Legal Section	41
Legal Subdivision	CEDAR RUN
Legal Lot Number	40
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2001
Census Tract	30701

Owner

287 N Ridge Dr is owned and occupied by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	287 N RIDGE DR, FLEMING ISLAND, FL 32003-8146
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 26, 2023	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Mar 13, 2023	Quit Claim Deed, Transfer ACCOMMODATION
Feb 23, 2023	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION
Aug 27, 2019	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2023 · Amount on File
Deed Sale	Sep 26, 2023 · Amount on File
Prior Sale	Mar 13, 2023
Deed Document Number	2023048459
Deed Book / Page	4760 / 1122
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Sep 26, 2023
Property Address	287 N RIDGE DR, FLEMING ISLAND, FL 32003-8146
Document Number	0047601122
Book / Page	4760 / 1122
Map Reference	MB 16 PG 46
Instrument Date	Sep 22, 2023
Instrument	2023048459
Transaction Type	Transfer
Record Updated	Oct 20, 2023
Title Company	NOT AVAILABLE, ROCK SOLID LAW & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,906.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 65183, ORANGE PARK, FL 32065-0004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	287 N RIDGE DR, FLEMING ISLAND, FL 32003-8146

Mortgage

Document Number	0047601124
Date	Sep 26, 2023
Instrument	4760/1124

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY FL
Recording Date	Mar 13, 2023
Property Address	287 N RIDGE DR, FLEMING ISLAND, FL 32003-8146
Document Number	0046961250
Book / Page	4696 / 1250
Map Reference	MB 16 PG 46
Instrument Date	Mar 1, 2023
Instrument	2023011073
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9230 LOCKWOOD RD, JACKSONVILLE, FL 32220-1276

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	692 O HARA RD, MIDDLEBURG, FL 32068-6857

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY FL
Recording Date	Feb 23, 2023
Property Address	287 N RIDGE DR, FLEMING ISLAND, FL 32003-8146
Document Number	0046911866
Book / Page	4691 / 1866
Map Reference	MB 16 PG 46
Instrument Date	Feb 13, 2023
Instrument	2023008219
Transaction Type	Transfer
Record Updated	Mar 15, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	287 N RIDGE DR, FLEMING ISLAND, FL 32003-8146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9230 LOCKWOOD RD, JACKSONVILLE, FL 32220-1276

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Aug 27, 2019
Property Address	287 N RIDGE DR, FLEMING ISLAND, FL 32003-8146
Document Number	0042260254
Book / Page	4226 / 0254
Map Reference	MB 16 PG 46
Instrument Date	Aug 27, 2019
Instrument	2019046189
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	GLOBAL TTL PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	267 FLEMING FOREST LN, 267, FLEMING ISLAND, FL 32003-7880

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 65183, ORANGE PARK, FL 32065-0004

Mortgage

Document Number	0042260256
Date	Aug 27, 2019
Book Page	4226/0256
Instrument	2019046190

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 287 N Ridge Dr was $5,746 with a homeowner's exemption.

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	$5,746.00 Homeowner's exemption	$416,897	$528,584 Land $75,000 Building $453,584
2023	$8,560.00 (+74.98%)	$542,416 (+56.25%) Land $75,000 Building $467,416	$542,416 (+25.12%) Land $75,000 Building $467,416
2022	$4,892.00 Homeowner's exemption	$347,143	$433,529 Land $75,000 Building $358,529

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

Flood

FEMA maps place 287 N Ridge Dr 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 191 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	191 in force
Nearby Flood Claims	57 (1980–2024)
Claims Outside the SFHA	31 of 57
Most Recent Claim	Sep 2024 · other causes
Claims by Event	Hurricane Nicole, Nov 2022 · 2 claims Hurricane Irma, Sep 2017 · 38 claims Hurricane Frances, Sep 2004 · 5 claims

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 287 N Ridge Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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