Clay County property record for 3540 Lawrence Rd, Orange Park, FL 32073
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,089 sqft · built 1977 |
| Lot Size | 0.284 acres (12,414 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $95,000 (Jul 1992) |
| Tax Bill | $1,724 (2025) |
| Deeds & Mortgages | May 2021 Reverse Mortgage Jul 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-04-25-013787-361-00 |
| Primary APN | 25-04-25-013787-361-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,089 sqft Heated Area |
| Gross Area | 3,042 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,414 sqft (0.284 acres) |
| Lot Dimensions | 138 ft deep x 90 ft wide |
| Garage Area | 548 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 370 sqft |
| Deck Area | 370 sqft |
| Patio Area | 405 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3540 LAWRENCE RD |
|---|---|
| City | ORANGE PARK |
| State | FL |
| Zip | 32073-6965 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | LOT 23 LAKESIDE ESTATES UNIT 10 AS REC O R 627 PG 229 & 1421PG 1748 |
| Legal Range | 25 |
| Legal Township | 04 |
| Legal Section | 25 |
| Legal Subdivision | LAKESIDE ESTATES |
| Legal Lot Number | 23 |
| Legal Unit | 10 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 30802 |
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 Individual Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3540 LAWRENCE RD, ORANGE PARK, FL 32073-6965 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 11, 2021 | Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Jul 26, 2018 | Deed of Trust, Mortgage · Conventional Mortgage THRIVENT FCU |
| Jan 28, 2020 | Deed of Trust, Mortgage · Line of Credit THRIVENT FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 22, 1992 · Amount on Record |
| Deed Sale | Jul 22, 1992 · Amount on Record |
| Deed Document Number | 0014211748 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 3540 LAWRENCE RD, ORANGE PARK, FL 32073-6965 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3540 LAWRENCE RD, ORANGE PARK, FL 32073-6965 |
| Document Number | 0044550261 |
|---|---|
| Date | May 11, 2021 |
| Book Page | 4455/261 |
| Instrument | 2021029246 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | TULSA, OK 74133 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 3540 LAWRENCE RD, ORANGE PARK, FL 32073-6965 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0041070556 |
|---|---|
| Date | Jul 26, 2018 |
| Book Page | 4107/0556 |
| Instrument | 2018038728 |
| Name | THRIVENT FCU |
|---|---|
| Type | Credit Union |
| Address | MINNEAPOLIS, MN 55415 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 3540 LAWRENCE RD, ORANGE PARK, FL 32073-6965 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0042730340 |
|---|---|
| Date | Jan 28, 2020 |
| Book Page | 4273/0340 |
| Instrument | 2020004695 |
| Name | THRIVENT FCU |
|---|---|
| Type | Credit Union |
| Address | MINNEAPOLIS, MN 55415 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 24, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Clay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,724.00 (-10.16%) Homeowner's exemption | $153,188 (+5.99%) | $326,173 (+4.97%) Land $50,000 Building $276,173 |
| 2023 | $1,919.00 (+9.97%) Homeowner's exemption | $144,535 (+3%) | $310,734 (+15.56%) Land $50,000 Building $260,734 |
| 2022 | $1,745.00 Homeowner's exemption | $140,326 | $268,883 Land $32,000 Building $236,883 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 106 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 106 in force |
| Nearby Flood Claims | 108 (1983–2024) |
| Claims Outside the SFHA | 19 of 108 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ORANGE PARK GRID private · serves 127,904 people · EPA ID FL2100741 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 110 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| IQ Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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