3518 Saddle Ct, Orange Park, FL 32065 Property Records

Clay County property record for 3518 Saddle Ct, Orange Park, FL 32065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,403 sqft · built 2005
Lot Size	0.156 acres (6,798 sqft)
Owner	Individual Name on Record
Tax Bill	$4,716 (2023)
Deeds & Mortgages	May 2018 Mortgage Oct 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`05-04-25-007868-019-19`

Property Details

APN / Parcel Number

Primary APN	`05-04-25-007868-019-19`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,403 sqft Living Area
Gross Area	2,847 sqft
1st Floor Area	1,652 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,798 sqft (0.156 acres)
Garage Type	Attached
Garage Area	444 sqft
Porch	Finished/Open Porch
Porch Area	72 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3518 SADDLE CT
City	ORANGE PARK
State	FL
Zip	32065-8202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 20 SILVER LEAF @ OAKLEAF PLANTATION PHASE 2 REC OR 4082 PG 965, 4900 PG 1334, 4920 PG
Legal Range	25E
Legal Township	04S
Legal Section	05
Legal Subdivision	SILVER LEAF
Legal Phase	2
Legal Lot Number	20
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	1
Census Block	1011
Census Tract	30208

Owner

Source: Clay County records, as of December 3, 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	3518 SADDLE CT, ORANGE PARK, FL 32065-8202
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
May 9, 2018	Grant Deed, Transfer NAVY FCU
Oct 2, 2017	Warranty Deed, Transfer SUNSHINE TITLE CORPORATION, SUNSHINE TITLE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2025
Deed Sale	Apr 15, 2025
Prior Sale	May 10, 2018 · Amount on Record
Deed Document Number	202516833
Deed Book / Page	4920 / 908
Prior Transfer Date	Apr 9, 2025
Prior Transfer Doc	0049200908
Record Updated	Jun 8, 2026

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CLAY FL
Recording Date	May 9, 2018
Property Address	3518 SADDLE CT, ORANGE PARK, FL 32065-8202
Document Number	0040820965
Book / Page	004082 / 000965
Instrument Date	May 9, 2018
Instrument	23938
Transaction Type	Transfer
Record Updated	May 31, 2018
Title Company	SUNSHINE TITLE CORPORATION

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3518 SADDLE CT ORANGE PARK FL 320658202, ORANGE PARK, FL 32065-8202

Mortgage

Document Number	40820966
Date	May 9, 2018
Book Page	004082/000966
Instrument	23939

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 8, 2048

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Oct 2, 2017
Property Address	3518 SADDLE CT, ORANGE PARK, FL 32065-8202
Document Number	0040160669
Book / Page	004016 / 000669
Instrument Date	Sep 25, 2017
Instrument	49622
Transaction Type	Transfer
Record Updated	Oct 17, 2017
Title Company	SUNSHINE TITLE CORPORATION, SUNSHINE TITLE CORP

Transaction

Amount	Amount Recorded
Tax	$1,225.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7532 BLANDING BLVD JACKSONVILLE FL 322445110, JACKSONVILLE, FL 32244-5110

Tax Assessment & Valuation

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		$224,632 (+5.99%)	$338,601 (+4.9%) Land $60,000 Building $278,601
2023	$4,716.00 (+4.47%) Homeowner's exemption	$211,944 (+3%)	$322,796 (+13.24%) Land $60,000 Building $262,796
2022	$4,514.00 Homeowner's exemption	$205,771	$285,066 Land $40,000 Building $245,066

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 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.

Wildfire

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.02% 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 294 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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