3109 Marrano Dr, Orange Park, FL 32073 Property Records

Clay County property record for 3109 Marrano Dr, Orange Park, FL 32073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,638 sqft · built 1992
Lot Size	0.191 acres (8,319 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,684 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`37-04-25-008395-001-13`

Property Details

APN / Parcel Number

Primary APN	`37-04-25-008395-001-13`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,638 sqft Living Area
Gross Area	2,311 sqft
1st Floor Area	1,638 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,319 sqft (0.191 acres)
Lot Dimensions	116 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	484 sqft
Porch	Finished Screened Porch
Porch Area	237 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3109 MARRANO DR
City	ORANGE PARK
State	FL
Zip	32073-6850
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Description	LOT 12 MASSEY VILLAS AS REC OR 4262 PG 1334
Legal Range	25E
Legal Township	04S
Legal Section	37
Legal Subdivision	MASSEY VILLAS
Legal Lot Number	12
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	4
Census Block	4000
Census Tract	30802

Owner

3109 Marrano Dr is owned and occupied by two individuals who acquired it in August 2026.

Source: Clay County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3109 MARRANO DR, ORANGE PARK, FL 32073-6850
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Aug 10, 2026	Warranty Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC
Aug 17, 2022	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Dec 1, 2025	Warranty Deed, Transfer · Commercial Mortgage CHARLES WADE ETUX
Dec 20, 2019	Warranty Deed, Transfer · VA Mortgage REGIONS BANK
Jan 17, 2019	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2026
Deed Sale	Aug 10, 2026
Prior Sale	Dec 1, 2025
Deed Document Number	202639572
Deed Book / Page	5074 / 1951
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Aug 10, 2026
Property Address	3109 MARRANO DR, ORANGE PARK, FL 32073-6850
Document Number	0000039572
Book / Page	5074 / 1951
Instrument Date	Aug 7, 2026
Instrument	202639572
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3109 MARRANO DR, ORANGE PARK, FL 32073-6850

Mortgage

Document Number	0000039573,
Date	Aug 10, 2026
Book Page	5074/1953
Instrument	202639573

Lender

Name	PLAZA HOME MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3109 MARRANO DR, ORANGE PARK, FL 32073-6850
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3LO9 MARRANO DR, ORANGE PARK, FL 32073
Investor	Possibly a Property Investor

Mortgage

Document Number	0046400443
Date	Aug 17, 2022
Book Page	4640/443
Instrument	2022050480

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Dec 1, 2025
Property Address	3109 MARRANO DR, ORANGE PARK, FL 32073-6850
Document Number	0049921099
Book / Page	4992 / 1099
Map Reference	MB 19 PG 70-72
Instrument Date	Nov 18, 2025
Instrument	2025056244
Transaction Type	Transfer
Record Updated	Apr 23, 2026
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,779.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1504 SEABREEZE AVE # 122, 122, JACKSONVILLE BEACH, FL 32250-3365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1919 BLANDING BLVD, JACKSONVILLE, FL 32210-3258

Mortgage

Document Number	0049921101
Date	Dec 1, 2025
Book Page	4992/1101
Instrument	2025056245

Lender

Name	CHARLES WADE ETUX
Type	Private Party
Address	1504 SEABREEZE AVE # 122, JACKSONVILLE BEACH, FL 32250

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Dec 20, 2019
Property Address	3109 MARRANO DR, ORANGE PARK, FL 32073-6850
Document Number	0042621334
Book / Page	4262 / 1334
Map Reference	MB 19 PG 70-75
Instrument Date	Dec 18, 2019
Instrument	2019067490
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	HOME SHIELD TITLE SVCS LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2171 CLUB LAKE DR, 2171, ORANGE PARK, FL 32065-2675

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3109 MARRANO DR, ORANGE PARK, FL 32073-6850

Mortgage

Document Number	0042621336
Date	Dec 20, 2019
Instrument	4262/1336

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jan 17, 2019
Property Address	3109 MARRANO DR, ORANGE PARK, FL 32073-6850
Document Number	0041580054
Book / Page	004158 / 000054
Instrument Date	Jan 14, 2019
Instrument	3257
Transaction Type	Transfer
Record Updated	Feb 8, 2019
Title Company	HOME SHIELD TITLE SERVICES LLC, HOME SHIELD TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,421.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3109 MARRANO DR ORANGE PARK FL 320736850, ORANGE PARK, FL 32073-6850

Mortgage

Document Number	41580056
Date	Jan 17, 2019
Book Page	004158/000056
Instrument	3258

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3109 Marrano Dr was $2,684 with a homeowner's exemption, up 4.9% 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	$2,684.00 (+4.93%) Homeowner's exemption	$216,123	$278,740 Land $50,000 Building $228,740
2024	$2,558.00 (-9.32%)
2023	$2,821.00 (+7.59%) Homeowner's exemption	$203,916 (+3%)	$271,896 (+11.64%) Land $50,000 Building $221,896
2022	$2,622.00 Homeowner's exemption	$197,977	$243,546 Land $40,000 Building $203,546

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

Flood

FEMA maps place 3109 Marrano Dr in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	14 (1991–2022)
Claims Outside the SFHA	9 of 14
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 3 claims Severe Storms, High Winds, Tornadoes, And Flooding, Feb 1998 · 2 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 3109 Marrano Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 154 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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