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3005 Tower Oaks Dr, Orange Park, FL 32065 Property Records

Clay County property record for 3005 Tower Oaks Dr, Orange Park, FL 32065

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,663 sqft · built 2005
Lot Size0.352 acres (15,359 sqft)
OwnerIndividual Name on Record
Last Sale$343,000 (Dec 2020)
Tax Bill$6,089 (2025)
Deeds & MortgagesOct 2023 Mortgage
Sep 2022 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN07-04-25-007869-005-46

Property Details

APN / Parcel Number

Primary APN07-04-25-007869-005-46

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area3,663 sqft Heated Area
Gross Area4,530 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Exterior MaterialStucco
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area15,359 sqft (0.352 acres)
Garage Area637 sqft
PorchPorch
Porch Area230 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address3005 TOWER OAKS DR
CityORANGE PARK
StateFL
Zip32065-2545
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionLOT 172 OAKPOINT @ OAKLEAF PLANTATION AS REC O R 4395 PG 1413
Legal Range25
Legal Township04
Legal Section07
Legal SubdivisionOAKPOINT @ OAKLEAF PLANTATION
Legal Lot Number172
JurisdictionCLAY FL
Township / Civil DivisionMIDDLEBURG-CLAY HILL
Census Block Group4
Census Block4000
Census Tract30205

Owner

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address3005 TOWER OAKS DR, ORANGE PARK, FL 32065-2545
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 12, 2023Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Sep 9, 2022Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Dec 29, 2020Warranty Deed, Transfer · FHA Mortgage
EVERETT FINANCIAL INC
Oct 11, 2019Loan Modification, Mortgage · Conventional Mortgage
DITECH FIN'L

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 29, 2020 · Amount on Record
Deed SaleDec 29, 2020 · Amount on Record
Prior SaleJun 22, 2005 · Amount on Record
Deed Document Number2020068599
Deed Book / Page4395 / 1413
Record UpdatedJun 8, 2026

October 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY FL
Property Address3005 TOWER OAKS DR, ORANGE PARK, FL 32065-2545
Transaction TypeMortgage
Record UpdatedNov 3, 2023
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address3005 TOWER OAKS DR, ORANGE PARK, FL 32065-2545
InvestorPossibly a Property Investor

Mortgage

Document Number0047642081
DateOct 12, 2023
Book Page4764/2081
Instrument2023051123
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term327 Months
DueJan 1, 2051

September 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY FL
Property Address3005 TOWER OAKS DR, ORANGE PARK, FL 32065-2545
Transaction TypeMortgage
Record UpdatedOct 7, 2022
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address305 TOWER OAKS DRIVE, ORANGE PARK, FL 32065

Mortgage

Document Number0046471147
DateSep 9, 2022
Book Page4647/1147
Instrument2022054919
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term340 Months
DueJan 1, 2051

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY FL
Recording DateDec 29, 2020
Property Address3005 TOWER OAKS DR, ORANGE PARK, FL 32065-2545
Document Number0043951413
Book / Page4395 / 1413
Map ReferenceMB 45 PG 59-65
Instrument DateDec 18, 2020
Instrument2020068599
Transaction TypeTransfer
Record UpdatedFeb 21, 2022
Title CompanyATTORNEYS TITLE SERVICES LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,401.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address10107 SANDLER RD, 10107, JACKSONVILLE, FL 32222-1321

Transferred To (Grantee/Buyer)

NameVerified Name
Address3005 TOWER OAKS DR, ORANGE PARK, FL 32065-2545
InvestorPossibly a Property Investor

Mortgage

Document Number0043951415
DateDec 29, 2020
Instrument4395/1415
Lender
NameEVERETT FINANCIAL INC
TypeFunding / Finance Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2051

October 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionCLAY FL
Property Address3005 TOWER OAKS DR, ORANGE PARK, FL 32065-2545
Document Number0042471323
Instrument DateOct 11, 2019
Transaction TypeMortgage
Record UpdatedNov 27, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3005 TOWER OAKS DR ORANGE PARK FL 320652545, ORANGE PARK, FL 32065-2545

Mortgage

Document Number0042471323
DateNov 1, 2019
Book Page004247/001323
Instrument58642
Lender
NameDITECH FIN'L
AddressTEMPE, AZ 85284
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Interest
Rate5.87%

Tax Assessment & Valuation

Source: Clay County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyClay County
Unified School DistrictClay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,089.00 (-26.56%) Homeowner's exemption$439,387 (-6.06%) Land $55,000 Building $384,387$439,387 (-6.06%) Land $55,000 Building $384,387
2023$8,291.00 (+6.55%)$467,723 (+3.95%) Land $55,000 Building $412,723$467,723 (+3.95%) Land $55,000 Building $412,723
2022$7,781.00$449,953 Land $35,000 Building $414,953$449,953 Land $35,000 Building $414,953

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies11 in force

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 RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation

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 SystemORANGE PARK GRID
private · serves 127,904 people · EPA ID FL2100741
Water SourceGroundwater
Last State InspectionSep 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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 466 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
AT&T
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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