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3013 Tower Oaks Dr, Orange Park, FL 32065 Property Records

Clay County property record for 3013 Tower Oaks Dr, Orange Park, FL 32065

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,420 sqft · built 2005
Lot Size0.179 acres (7,806 sqft)
Owner2 Owner Names on Record
Last Sale$303,900 (Aug 2005)
Tax Bill$1,720 (2023)
Deeds & MortgagesJan 2021 Mortgage
Dec 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN07-04-25-007869-005-44

Property Details

APN / Parcel Number

Primary APN07-04-25-007869-005-44

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area3,420 sqft Heated Area
Gross Area4,458 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Exterior MaterialStucco
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,806 sqft (0.179 acres)
Garage Area500 sqft
PorchPorch
Porch Area212 sqft
Patio Area326 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address3013 TOWER OAKS DR
CityORANGE PARK
StateFL
Zip32065-2545
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionLOT 170 OAKPOINT @ OAKLEAF PLANTATION AS REC O R 2588 PG 119
Legal Range25
Legal Township04
Legal Section07
Legal SubdivisionOAKPOINT @ OAKLEAF PLANTATION
Legal Lot Number170
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 Record2 Owner Names on Record
Mailing Address3013 TOWER OAKS DR, ORANGE PARK, FL 32065-2545
OccupancyOwner Occupied

Deeds, Mortgages & Sale History

DateDocument
Jan 4, 2021Deed of Trust, Mortgage · VA Mortgage
USAA FSB
Dec 21, 2018Deed of Trust, Mortgage · VA Mortgage
NAVY FCU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 29, 2005 · Amount on Record
Deed SaleAug 29, 2005 · Amount on Record
Deed Document Number2005062163
Deed Book / Page2588 / 0119
Record UpdatedJun 8, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY FL
Property Address3013 TOWER OAKS DR, ORANGE PARK, FL 32065-2545
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0043980037
DateJan 4, 2021
Book Page4398/37
Instrument2021000429
Lender
NameUSAA FSB
TypeBank
AddressSAN ANTONIO, TX 78288
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2051

December 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY FL
Property Address3013 TOWER OAKS DR, ORANGE PARK, FL 32065-2545
Document Number0041522097
Instrument DateDec 21, 2018
Transaction TypeMortgage
Record UpdatedJan 10, 2019

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3013 TOWER OAKS DR ORANGE PARK FL 320652545, ORANGE PARK, FL 32065-2545

Mortgage

Document Number0041522097
DateDec 27, 2018
Book Page004152/002097
Instrument66960
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 26, 2048

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
2025Disabled Person's exemption Veteran's exemption$208,549 (+5.99%)$405,981 (-6%) Land $55,000 Building $350,981
2023$1,720.00 Disabled Person's exemption Veteran's exemption$196,769 (+3%)$431,886 (+4.33%) Land $55,000 Building $376,886
2022$1,720.00 Disabled Person's exemption Veteran's exemption$191,038$413,962 Land $35,000 Building $378,962

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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