307 Oak Dr S, Fleming Island, FL 32003 Property Records

Clay County property record for 307 Oak Dr S, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,053 sqft · built 1993
Lot Size	0.617 acres (26,876 sqft)
Owner	Individual Name on File
Last Sale	$399,900 (Oct 2016)
Tax Bill	$7,392 (2025)
Deeds & Mortgages	Nov 2020 Mortgage May 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`37-05-26-014614-042-00`

Property Details

APN / Parcel Number

Primary APN	`37-05-26-014614-042-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,053 sqft Living Area
Gross Area	3,895 sqft
1st Floor Area	2,213 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	26,876 sqft (0.617 acres)
Lot Dimensions	232 ft deep x 116 ft wide
Garage Type	Attached
Garage Area	622 sqft

Exterior Amenities

Pool Area	561 sqft
Porch	Finished Screened Porch
Porch Area	270 sqft
Deck Area	632 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	307 OAK DR S
City	FLEMING ISLAND
State	FL
Zip	32003-8777
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 116 FLEMING OAKS UNIT 4 AS REC OR 3904 PG 820
Legal Range	26E
Legal Township	05S
Legal Section	37
Legal Subdivision	FLEMING OAKS UNIT 4
Legal Lot Number	116
Legal Unit	4
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2001
Census Tract	30701

Owner

307 Oak Dr S is owned and occupied by an individual who bought it in October 2016.

Source: Clay County records, as of December 3, 2025

Owner of Record	Individual Name on File
Mailing Address	307 OAK DR S, FLEMING ISLAND, FL 32003-8777
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
Nov 6, 2020	Deed of Trust, Mortgage · VA Mortgage BANK OF ENGLAND
May 23, 2020	Deed of Trust, Mortgage · Line of Credit VYSTAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2016 · Amount on File
Deed Sale	Oct 5, 2016 · Amount on File
Prior Sale	Jun 2, 2006 · Amount on File
Deed Document Number	201649659
Deed Book / Page	3904 / 820
Prior Transfer Date	Sep 22, 2016
Prior Transfer Doc	0039040820
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	307 OAK DR S, FLEMING ISLAND, FL 32003-8777
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 OAK DR S, FLEMING ISLAND, FL 32003-8777

Mortgage

Document Number	0043731833
Date	Nov 6, 2020
Book Page	4373/1833
Instrument	2020058348

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	307 OAK DR S, FLEMING ISLAND, FL 32003-8777
Document Number	0043181108
Instrument Date	May 23, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	307 OAK DR S FLEMING ISLAND FL 320038777, FLEMING ISLAND, FL 32003-8777

Mortgage

Document Number	0043181108
Date	Jun 16, 2020
Book Page	004318/001108
Instrument	29534

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 15, 2030

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 307 Oak Dr S was $7,392 with exemptions applied, up 4.7% from the year before.

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	$7,392.00 (+4.73%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$534,802	$625,442 Land $272,600 Building $352,842
2024	$7,058.00 (-2.43%)
2023	$7,234.00 (+2.41%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$504,593 (+3%)	$614,393 (+11.89%) Land $272,600 Building $341,793
2022	$7,064.00 Homeowner's exemption	$489,897	$549,125 Land $272,600 Building $276,525

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

Flood

FEMA maps place 307 Oak Dr S in Zone X, an area of minimal flood risk, within 100 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 100 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 307 Oak Dr S 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 95% 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 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: IQ Fiber.

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