3540 Cunningham Rd, Orange Park, FL 32065 Property Records

Clay County property record for 3540 Cunningham Rd, Orange Park, FL 32065 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	3 Baths
Year Built	Built 2023
Square Footage	2,648 sqft Living Area
Lot Size	5,999 sqft (0.137 acres)
Garage	Attached, 460 sqft
Occupancy	Owner Occupied
Tax Bill	$6,442.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`08-04-25-007873-004-82`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,648 sqft Living Area
Gross Area	3,108 sqft Gross Area
1st Floor	1,144 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Carpet Flooring

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Roof Construction	Gable/Hip Roof Construction
Roof Material	Other (not Classified) Roof
Lot Area	5,999 sqft (0.137 acres)
Garage Type	Attached Garage
Garage Area	460 sqft Garage

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	3540 CUNNINGHAM RD
City	ORANGE PARK
State	FL
Zip	32065-8228
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 82 SUGAR LEAF FARMS AS REC OR 4791 PG 1811
Legal Subdivision	SUGAR LEAF FARMS
Legal Lot Number	82
Jurisdiction	CLAY FL
Minor Civil Division	MIDDLEBURG-CLAY HILL
Census Blockgroup	3
Census Block	3003
Census Tract	30207

Owner

Source: Clay County records · APN 08-04-25-007873-004-82

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 Record	2 Individual Names on File
Mailing Address	3540 CUNNINGHAM RD, ORANGE PARK, FL 32065-8228
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 02, 2024
Deed Sale	Feb 02, 2024
Deed Doc Number	20244937
Deed Book / Page	4791 / 1811
Record Refreshed	Sep 20, 2026

February 2024: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Feb 02, 2024
Property Address	3540 CUNNINGHAM RD, ORANGE PARK, FL 32065-8228
Document Number	0047911811
Book / Page	4791 / 1811
Map Reference	MB 67 PG 36-43
Instrument Date	Jan 29, 2024
Instrument	2024004937
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 26, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10255 FORTUNE PKWY # 150, 150, JACKSONVILLE, FL 32256-6502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3540 CUNNINGHAM RD, ORANGE PARK, FL 32065-8228

Mortgage

Document Number	0047911816
Date	Feb 02, 2024
Instrument	4791/1816

Lender

Name	HOME AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2054

Interest

Rate Type	Adjustable Rate
Type Change Date	Apr 01, 2029
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).
Min Rate At Change	1%
Max Rate At Change	5%
Index	Other
Margin	2
Max Rate	5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Clay County
Unified School District	Clay 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,357.00 (-1.32%)	$416,853 (+733.71%) Land $65,000 Building $351,853	$416,853 (+733.71%) Land $65,000 Building $351,853
2024	$6,442.00 (+748.75%)
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 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Moderate above 54% of the US · above 25% of Florida
Wildfire Likelihood	About 1 in 1,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.