3550 Westover Rd, Fleming Island, FL 32003 Property Records

Clay County property record for 3550 Westover Rd, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,378 sqft · built 1991
Lot Size	0.504 acres (21,997 sqft)
Owner	Individual Name on Record
Last Sale	$398,000 (Jan 2021)
Tax Bill	$5,106 (2025)
Deeds & Mortgages	Aug 2018 Line of Credit Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44-04-26-014078-009-00`

Property Details

APN / Parcel Number

Primary APN	`44-04-26-014078-009-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,378 sqft Heated Area
Gross Area	3,625 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,997 sqft (0.504 acres)
Lot Dimensions	220 ft deep x 100 ft wide
Garage Area	733 sqft

Exterior Amenities

Pool Area	560 sqft
Porch	Porch
Porch Area	274 sqft
Patio Area	208 sqft
Fence	Fence
Storage Building	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3550 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 7 AS REC OR 4408 PG 1099
Legal Range	26
Legal Township	04
Legal Section	44
Legal Subdivision	WESTOVER STATION
Legal Lot Number	7
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3550 WESTOVER RD, FLEMING ISLAND, FL 32003-7104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2018	Deed of Trust, Mortgage · Line of Credit COMPASS BANK
Jan 28, 2021	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2021 · Amount on Record
Deed Sale	Jan 28, 2021 · Amount on Record
Prior Sale	Nov 8, 2016 · Amount on Record
Deed Document Number	2021005519
Deed Book / Page	4408 / 1099
Record Updated	Jun 8, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3550 WESTOVER RD, FLEMING ISLAND, FL 32003-7104
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041120737
Date	Aug 9, 2018
Book Page	4112/0737
Instrument	2018041825

Lender

Name	COMPASS BANK
Type	Bank
Address	FLEMING ISLAND, FL 32003

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jul 27, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jan 28, 2021
Property Address	3550 WESTOVER RD, FLEMING ISLAND, FL 32003-7104
Document Number	0044081099
Book / Page	4408 / 1099
Instrument Date	Jan 22, 2021
Instrument	2021005519
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	US PATRIOT TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,786.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15434 MILTON AVE, 15434, BROOKSVILLE, FL 34604-8498

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3550 WESTOVER RD, FLEMING ISLAND, FL 32003-7104

Mortgage

Document Number	0044081102
Date	Jan 28, 2021
Instrument	4408/1102

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

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	$5,106.00 (+6.02%) Homeowner's exemption	$374,977 (+11.83%)	$677,807 (+7.25%) Land $40,000 Building $637,807
2023	$4,816.00 (+5.54%) Homeowner's exemption	$335,303 (+3%)	$632,009 (+66.81%) Land $40,000 Building $592,009
2022	$4,563.00 Homeowner's exemption	$325,537	$378,871 Land $40,000 Building $338,871

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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