Clay County property record for 3124 Tower Oaks Dr, Orange Park, FL 32065
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,705 sqft · built 2005 |
| Lot Size | 0.156 acres (6,793 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $365,000 (Feb 2024) |
| Tax Bill | $5,112 (2025) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage Feb 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-04-25-007869-005-77 |
| Primary APN | 07-04-25-007869-005-77 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,705 sqft Living Area |
| Gross Area | 3,125 sqft |
| 1st Floor Area | 1,185 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 6,793 sqft (0.156 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 30 sqft |
| Patio Area | 45 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3124 TOWER OAKS DR |
|---|---|
| City | ORANGE PARK |
| State | FL |
| Zip | 32065-2544 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 203 OAKPOINT @ OAKLEAF PLANTATION AS REC OR 4793 PG 1733 |
| Legal Range | 25E |
| Legal Township | 04S |
| Legal Section | 07 |
| Legal Subdivision | OAKPOINT |
| Legal Lot Number | 203 |
| 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 April 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3124 TOWER OAKS DR, ORANGE PARK, FL 32065-2544 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Mar 23, 2026 | Warranty Deed, Transfer · Conventional Mortgage FUTURE HOME LOANS |
| Feb 8, 2024 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Aug 1, 2023 | Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION |
| May 7, 2010 | Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 8, 2024 · Amount on Record |
| Deed Sale | Feb 8, 2024 · Amount on Record |
| Prior Sale | May 13, 2010 · Amount on Record |
| Deed Document Number | 20246186 |
| Deed Book / Page | 4793 / 1733 |
| Prior Transfer Date | Jul 28, 2023 |
| Prior Transfer Doc | 0047430993 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Mar 23, 2026 |
| Property Address | 3124 TOWER OAKS DR, ORANGE PARK, FL 32065-2544 |
| Document Number | 0050261420 |
| Book / Page | 5026 / 1420 |
| Map Reference | MB 45 PG 59-65 |
| Instrument Date | Mar 18, 2026 |
| Instrument | 2026013511 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2026 |
| Title Company | LANDMARK TITLE, LANDMARK TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,708.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 887, MIDDLEBURG, FL 32050-0887 |
| Name | Verified Name |
|---|---|
| Address | 3124 TOWER OAKS DR, ORANGE PARK, FL 32065-2544 |
| Document Number | 0050261422 |
|---|---|
| Date | Mar 23, 2026 |
| Instrument | 5026/1422 |
| Name | FUTURE HOME LOANS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Feb 8, 2024 |
| Property Address | 3124 TOWER OAKS DR, ORANGE PARK, FL 32065-2544 |
| Document Number | 0047931733 |
| Book / Page | 4793 / 1733 |
| Map Reference | MB 45 PG 59 |
| Instrument Date | Feb 2, 2024 |
| Instrument | 2024006186 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2024 |
| Title Company | AMERICAS CHOICE TITLE COMPANY, AMERICAS CHOICE TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,555.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10740 ALDEN RD APT 4, 4, JACKSONVILLE, FL 32246-9721 |
| Name | Verified Name |
|---|---|
| Address | 3124 TOWER OAKS DR, ORANGE PARK, FL 32065-2544 |
| Investor | Possibly a Property Investor |
| Document Number | 0047931735 |
|---|---|
| Date | Feb 8, 2024 |
| Instrument | 4793/1735 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Aug 1, 2023 |
| Property Address | 3124 TOWER OAKS DR, ORANGE PARK, FL 32065-2544 |
| Document Number | 0047430993 |
| Book / Page | 4743 / 993 |
| Map Reference | MB 45 PG 59 |
| Instrument Date | Jul 28, 2023 |
| Instrument | 2023038266 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3124 TOWER OAKS DR, ORANGE PARK, FL 32065-2544 |
| Name | Verified Name |
|---|---|
| Address | 3124 TOWER OAKS DR, ORANGE PARK, FL 32065-2544 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 3124 TOWER OAKS DR, ORANGE PARK, FL 32065-2544 |
| Document Number | 0042700419 |
| Instrument Date | May 7, 2010 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3124 TOWER OAKS DR ORANGE PARK FL 320652544, ORANGE PARK, FL 32065-2544 |
| Document Number | 0042700419 |
|---|---|
| Date | Jan 16, 2020 |
| Book Page | 004270/000419 |
| Instrument | 2784 |
| Name | MIDFIRST BK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
Source: Clay County assessment roll, as of December 3, 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 | $5,112.00 (+3.04%) | $335,192 (+107.98%) Land $55,000 Building $280,192 | $335,192 (-5.83%) Land $55,000 Building $280,192 |
| 2024 | $4,961.00 (+27.47%) | ||
| 2023 | $3,892.00 (+4.88%) Homeowner's exemption | $161,169 (+3%) | $355,931 (+5.47%) Land $55,000 Building $300,931 |
| 2022 | $3,711.00 Homeowner's exemption | $156,475 | $337,456 Land $35,000 Building $302,456 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 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 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% 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 559 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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