3502 Westover Rd, Fleming Island, FL 32003 Property Records

Clay County property record for 3502 Westover Rd, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,074 sqft · built 1986
Lot Size	0.776 acres (33,846 sqft)
Owner	2 Owner Names on Record
Last Sale	$235,000 (May 2003)
Tax Bill	$3,142 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`44-04-26-014078-012-00`

Property Details

APN / Parcel Number

Primary APN	`44-04-26-014078-012-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,074 sqft Heated Area
Gross Area	4,356 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	33,846 sqft (0.776 acres)
Lot Dimensions	220 ft deep x 154 ft wide
Garage Type	Mixed
Garage Area	672 sqft
Carport	Carport
Carport Area	520 sqft
Porch	Porch
Porch Area	540 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3502 WESTOVER RD
City	FLEMING ISLAND
State	FL
Zip	32003-7104
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 10 & N1/2 PRCL 9 AS REC O R 2193 PG 1414
Legal Range	26
Legal Township	04
Legal Section	44
Legal Subdivision	WESTOVER STATION
Legal Lot Number	10
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	1
Census Block	1001
Census Tract	30701

Owner

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	2 Owner Names on Record
Mailing Address	3502 WESTOVER RD, FLEMING ISLAND, FL 32003-7104
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2003 · Amount on Record
Deed Sale	May 6, 2003 · Amount on Record
Deed Document Number	200328438
Deed Book / Page	2193 / 1414
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3502 WESTOVER RD, FLEMING ISLAND, FL 32003-7104
Transaction Type	Mortgage
Record Updated	Oct 13, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3502 WESTOVER RD, ORANGE PARK, FL 32003-7104

Mortgage

Document Number	0045172155
Date	Oct 4, 2021
Book Page	4517/2155
Instrument	2021062612

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$3,142.00 (-3.35%) Homeowner's exemption	$246,189 (+5.99%)	$601,255 (+3.18%) Land $40,000 Building $561,255
2023	$3,251.00 (+6.91%) Homeowner's exemption	$232,283 (+3%)	$582,732 (+64.79%) Land $40,000 Building $542,732
2022	$3,041.00 Homeowner's exemption	$225,518	$353,624 Land $40,000 Building $313,624

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

Flood

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 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

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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