3486 Westover Rd, Fleming Island, FL 32003 Property Records

Clay County property record for 3486 Westover Rd, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,009 sqft · built 1985
Lot Size	0.519 acres (22,651 sqft)
Owner	Individual Name on File
Last Sale	$248,000 (Aug 2020)
Tax Bill	$3,113 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Oct 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`44-04-26-014078-013-00`

Property Details

APN / Parcel Number

Primary APN	`44-04-26-014078-013-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,009 sqft Heated Area
Gross Area	3,084 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,651 sqft (0.519 acres)
Lot Dimensions	220 ft deep x 103 ft wide
Garage Area	1,200 sqft
Porch	Porch
Porch Area	529 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3486 WESTOVER RD
City	FLEMING ISLAND
State	FL
Zip	32003-7102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF SEC E OF HWY & W OF WESTOVER RD A/K/A PRCL 11 AS REC OR 4345 PG 19
Legal Range	26
Legal Township	04
Legal Section	44
Legal Subdivision	WESTOVER STATION
Legal Lot Number	11
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	1
Census Block	1001
Census Tract	30701

Owner

3486 Westover Rd is owned and occupied by an individual who bought it in August 2020.

Source: Clay County records, as of December 18, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3486 WESTOVER RD, FLEMING ISLAND, FL 32003-7102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2020	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU
Oct 3, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2020 · Amount on File
Deed Sale	Aug 24, 2020 · Amount on File
Prior Sale	Oct 3, 2018 · Amount on File
Deed Document Number	2020043080
Deed Book / Page	4345 / 19
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Aug 24, 2020
Property Address	3486 WESTOVER RD, FLEMING ISLAND, FL 32003-7102
Document Number	0043450019
Book / Page	4345 / 19
Instrument Date	Aug 21, 2020
Instrument	2020043080
Transaction Type	Transfer
Record Updated	Feb 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,736.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3811 WESTOVER RD, 3811, FLEMING ISLAND, FL 32003-7111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3486 WESTOVER RD, FLEMING ISLAND, FL 32003-7102

Mortgage

Document Number	0000434522
Date	Aug 24, 2020
Instrument	4345/22

Lender

Name	VYSTAR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Oct 3, 2018
Property Address	3486 WESTOVER RD, FLEMING ISLAND, FL 32003-7102
Document Number	0041281904
Book / Page	004128 / 001904
Instrument Date	Sep 28, 2018
Instrument	51999
Transaction Type	Transfer
Record Updated	Oct 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,575.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3811 WESTOVER RD FLEMING ISLAND FL 320037111, FLEMING ISLAND, FL 32003-7111

Tax Assessment & Valuation

The 2025 property tax bill for 3486 Westover Rd was $3,113 with a homeowner's exemption.

Source: Clay County assessment roll, as of July 1, 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	$3,113.00 Homeowner's exemption	$244,262	$396,891 Land $40,000 Building $356,891
2023	$3,224.00 (+6.97%) Homeowner's exemption	$230,466 (+3%)	$386,308 (+57.37%) Land $40,000 Building $346,308
2022	$3,014.00 Homeowner's exemption	$223,754	$245,474 Land $40,000 Building $205,474

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

Flood

FEMA maps place 3486 Westover Rd in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 2005.

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 File median of 132 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	132 in force
Nearby Flood Claims	26 (2005–2020)
Claims Outside the SFHA	10 of 26
Most Recent Claim	Jul 2020 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 21 claims Hurricane Matthew, Oct 2016 · 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 3486 Westover Rd is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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