Clay County property record for 3008 Tower Oaks Dr, Orange Park, FL 32065
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,375 sqft · built 2005 |
| Lot Size | 0.176 acres (7,679 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $225,375 (Jul 2018) |
| Tax Bill | $2,956 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Aug 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-04-25-007869-005-48 |
| Primary APN | 07-04-25-007869-005-48 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,375 sqft Heated Area |
| Gross Area | 3,119 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Logs |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,679 sqft (0.176 acres) |
| Garage Area | 423 sqft |
| Porch | Porch |
| Porch Area | 213 sqft |
| Patio Area | 108 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3008 TOWER OAKS DR |
|---|---|
| City | ORANGE PARK |
| State | FL |
| Zip | 32065-2543 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 174 OAKPOINT @ OAKLEAF PLANTATION AS REC O R 4103 PG 609 |
| Legal Range | 25 |
| Legal Township | 04 |
| Legal Section | 07 |
| Legal Subdivision | OAKPOINT @ OAKLEAF PLANTATION |
| Legal Lot Number | 174 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 30205 |
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 Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3008 TOWER OAKS DR, ORANGE PARK, FL 32065-2543 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 28, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 1, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jul 12, 2018 | Warranty Deed, Transfer · FHA Mortgage STEARNS LENDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2018 · Amount on Record |
| Deed Sale | Jul 12, 2018 · Amount on Record |
| Prior Sale | Nov 23, 2005 · Amount on Record |
| Deed Document Number | 2018036280 |
| Deed Book / Page | 4103 / 0609 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 3008 TOWER OAKS DR, ORANGE PARK, FL 32065-2543 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2023 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 3008 TOWER OAKS DR, ORANGE PARK, FL 32065-2543 |
| Document Number | 0047520689 |
|---|---|
| Date | Aug 28, 2023 |
| Book Page | 4752/689 |
| Instrument | 2023043745 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | CORAOPOLIS, PA 15108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 347 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 3008 TOWER OAKS DR, ORANGE PARK, FL 32065-2543 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3008 TOWER OAKS DR, ORANGE PARK, FL 32065-2543 |
| Document Number | 0046332076 |
|---|---|
| Date | Aug 1, 2022 |
| Book Page | 4633/2076 |
| Instrument | 2022046570 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jul 12, 2018 |
| Property Address | 3008 TOWER OAKS DR, ORANGE PARK, FL 32065-2543 |
| Document Number | 0041030609 |
| Book / Page | 4103 / 0609 |
| Instrument Date | Jun 8, 2018 |
| Instrument | 2018036280 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1606 WOODHILL DR, 1606, ROSEVILLE, CA 95661-5131 |
| Name | Verified Name |
|---|---|
| Address | 3008 TOWER OAKS DR, ORANGE PARK, FL 32065-2543 |
| Document Number | 2018036281 |
|---|---|
| Date | Jul 12, 2018 |
| Instrument | 2018036281 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2048 |
Source: Clay County assessment roll, as of July 1, 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 | $2,956.00 (-38.38%) Homeowner's exemption | $233,987 (+5.99%) | $306,878 (-5.74%) Land $55,000 Building $251,878 |
| 2023 | $4,797.00 (+4.49%) Homeowner's exemption | $220,770 (+3%) | $325,551 (+6.06%) Land $55,000 Building $270,551 |
| 2022 | $4,591.00 Homeowner's exemption | $214,340 | $306,946 Land $35,000 Building $271,946 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 11 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 466 locations within half a mile, as of December 31, 2025
| Provider | Max 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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