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3522 Cunningham Rd, Orange Park, FL 32065 Property Records

Clay County property record for 3522 Cunningham Rd, Orange Park, FL 32065 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,076 sqft · built 2024
Lot Size0.17 acres (7,438 sqft)
OwnerIndividual Name on File
Tax Bill$5,725 (2025)
Deeds & MortgagesMay 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN08-04-25-007873-004-78

Property Details

APN / Parcel Number

Primary APN08-04-25-007873-004-78

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,076 sqft Living Area
Gross Area2,822 sqft
1st Floor Area2,076 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Roof TypeGable/Hip
Roof MaterialOther
Lot Area7,438 sqft (0.17 acres)
Garage TypeAttached
Garage Area746 sqft
PorchFinished/Open Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3522 CUNNINGHAM RD
CityORANGE PARK
StateFL
Zip32065-8228
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 78 SUGAR LEAF FARMS AS REC OR 4821 PG 1450
Legal SubdivisionSUGAR LEAF FARMS
Legal Lot Number78
JurisdictionCLAY FL
Township / Civil DivisionMIDDLEBURG-CLAY HILL
Census Block Group3
Census Block3003
Census Tract30207

Owner

Source: Clay County records · APN 08-04-25-007873-004-78

Assessment roll updated December 3, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address3522 CUNNINGHAM RD, ORANGE PARK, FL 32065-8228
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 15, 2024
Deed SaleMay 15, 2024
Deed Document Number202422918
Deed Book / Page4821 / 1450
Record UpdatedSep 20, 2026

May 2024: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionCLAY FL
Recording DateMay 15, 2024
Property Address3522 CUNNINGHAM RD, ORANGE PARK, FL 32065-8228
Document Number0048211450
Book / Page4821 / 1450
Map ReferenceMB 67 PG 36-43
Instrument DateMay 10, 2024
Instrument2024022918
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 19, 2025
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,835.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address10255 FORTUNE PKWY # 150, 150, JACKSONVILLE, FL 32256-6502

Transferred To (Grantee/Buyer)

NameVerified Name
Address3522 CUNNINGHAM RD, ORANGE PARK, FL 32065-8228

Mortgage

Document Number0048211455
DateMay 15, 2024
Instrument4821/1455
Lender
NameHOME AMERICAN MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2054

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated December 3, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyClay County
Unified School DistrictClay County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$5,725.00 (+544.71%)$375,358 (+650.72%) Land $65,000 Building $310,358$375,358 (+650.72%) Land $65,000 Building $310,358
2024$888.00 (+17%)
2023$759.00 (+399.34%)$50,000 (+4%) Land $50,000$50,000 (+4%) Land $50,000
2022$152.00$10,000 Land $10,000$10,000 Land $10,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (12019C), updated July 6, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120190302073, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies6 in force

Wildfire

Wildfire RiskModerate
above 54% of the US · above 25% of Florida
Wildfire LikelihoodAbout 1 in 1,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 275 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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