292 Fleming Dr, Fleming Island, FL 32003 Property Records

Clay County property record for 292 Fleming Dr, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,904 sqft · built 1978
Lot Size	0.514 acres (22,389 sqft)
Owner	Individual Name on Record
Last Sale	$402,000 (May 2019)
Tax Bill	$4,864 (2025)
Deeds & Mortgages	Jun 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`38-05-26-014667-005-00`

Property Details

APN / Parcel Number

Primary APN	`38-05-26-014667-005-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,904 sqft Living Area
Gross Area	2,508 sqft
1st Floor Area	1,904 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1988
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	22,389 sqft (0.514 acres)
Lot Dimensions	224 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	604 sqft

Exterior Amenities

Pool Area	528 sqft
Porch	Finished/Open Porch
Porch Area	830 sqft
Deck Area	72 sqft
Storage Building	224 sqft
Pond	Pond
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	292 FLEMING DR
City	FLEMING ISLAND
State	FL
Zip	32003-9326
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 55 FLEMING OAKS UNIT 2 AS REC OR 4188 PG 1554
Legal Range	26E
Legal Township	05S
Legal Section	38
Legal Subdivision	FLEMING OAKS UNIT 2
Legal Block	TR
Legal Lot Number	55
Legal Unit	2
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2001
Census Tract	30701

Owner

Source: Clay County records, as of December 3, 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
Mailing Address	292 FLEMING DR, FLEMING ISLAND, FL 32003-9326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
May 6, 2019	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2019 · Amount on Record
Deed Sale	May 6, 2019 · Amount on Record
Prior Sale	Aug 5, 2013 · Amount on Record
Deed Document Number	201922826
Deed Book / Page	4188 / 1554
Prior Transfer Date	Nov 17, 2009
Prior Transfer Doc	0031661582
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	292 FLEMING DR, FLEMING ISLAND, FL 32003-9326
Transaction Type	Mortgage
Record Updated	Jul 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	292 FLEMING DR, FLEMING ISLAND, FL 32003-9326

Mortgage

Document Number	0044750907
Date	Jun 29, 2021
Book Page	4475/907
Instrument	2021039984

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	May 6, 2019
Property Address	292 FLEMING DR, FLEMING ISLAND, FL 32003-9326
Document Number	0041881554
Book / Page	4188 / 1554
Map Reference	MB 11 PG 14&15
Instrument Date	May 3, 2019
Instrument	2019022826
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,814.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	292 FLEMING DR, FLEMING ISLAND, FL 32003-9326

Mortgage

Document Number	2019022827
Date	May 6, 2019
Instrument	2019022827

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

Source: Clay County assessment roll, as of December 3, 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	$4,864.00 (+4.74%) Homeowner's exemption	$359,063 (+5.99%)	$426,528 (+1.14%) Land $232,500 Building $194,028
2024	$4,644.00 (-4.62%)
2023	$4,869.00 (+5.5%) Homeowner's exemption	$338,781 (+3%)	$421,707 (+6.7%) Land $232,500 Building $189,207
2022	$4,615.00 Homeowner's exemption	$328,914	$395,239 Land $232,500 Building $162,739

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 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

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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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