Clay County property record for 3148 Tower Oaks Dr, Orange Park, FL 32065
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,304 sqft · built 2005 |
| Lot Size | 0.211 acres (9,192 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $133,900 (Sep 2011) |
| Tax Bill | $1,771 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage Nov 2016 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-04-25-007869-005-83 |
| Primary APN | 07-04-25-007869-005-83 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,304 sqft Heated Area |
| Gross Area | 3,017 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,192 sqft (0.211 acres) |
| Garage Area | 470 sqft |
| Porch | Porch |
| Porch Area | 243 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3148 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 209 OAKPOINT @ OAKLEAF PLANTATION AS REC O R 3339 PG 1169;3349 PG 49 & 3879 PG 2025 |
| Legal Range | 25 |
| Legal Township | 04 |
| Legal Section | 07 |
| Legal Subdivision | OAKPOINT @ OAKLEAF PLANTATION |
| Legal Lot Number | 209 |
| 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 |
|---|---|
| Mailing Address | 3148 TOWER OAKS DR, ORANGE PARK, FL 32065-2544 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 24, 2019 | Deed of Trust, Mortgage · FHA Mortgage NMB HM LNS INC |
| Nov 18, 2016 | Loan Modification, Mortgage · VA Mortgage USAA FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 16, 2011 · Amount on Record |
| Deed Sale | Sep 16, 2011 · Amount on Record |
| Prior Sale | Sep 16, 2011 · Amount on Record |
| Deed Document Number | 0033391169 |
| Last Transfer Date | Jul 22, 2016 |
| Transfer Doc | 0038792025 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 3148 TOWER OAKS DR, ORANGE PARK, FL 32065-2544 |
| Document Number | 0042571393 |
| Instrument Date | Oct 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 3148 TOWER OAKS DR ORANGE PARK FL 320652544, ORANGE PARK, FL 32065-2544 |
| Document Number | 0042571393 |
|---|---|
| Date | Dec 5, 2019 |
| Book Page | 004257/001393 |
| Instrument | 64623 |
| Name | NMB HM LNS INC |
|---|---|
| Address | LEBANON, NJ 08833 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 4, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 3148 TOWER OAKS DR, ORANGE PARK, FL 32065-2544 |
| Document Number | 0039421122 |
| Book / Page | 003942 / 001122 |
| Instrument Date | Nov 18, 2016 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2017 |
| Title Company | CORELOGIC-SOLUTIONS EXPRESS |
| Name | Verified Name |
|---|---|
| Address | 3148 TOWER OAKS DR ORANGE PARK FL 320652544, ORANGE PARK, FL 32065-2544 |
| Document Number | 0039421122 |
|---|---|
| Date | Feb 8, 2017 |
| Book Page | 003942/001122 |
| Instrument | 6872 |
| Name | USAA FCU |
|---|---|
| Type | Credit Union |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 7, 2047 |
| Rate | 3.75% |
|---|
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 | $1,771.00 (-51.93%) Homeowner's exemption | $156,300 (+5.99%) | $304,626 (-5.73%) Land $55,000 Building $249,626 |
| 2023 | $3,684.00 (+4.99%) Homeowner's exemption | $147,472 (+3%) | $323,158 (+6.03%) Land $55,000 Building $268,158 |
| 2022 | $3,509.00 Homeowner's exemption | $143,177 | $304,771 Land $35,000 Building $269,771 |
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 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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