357 Oak Dr S, Fleming Island, FL 32003 Property Records

Clay County property record for 357 Oak Dr S, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,560 sqft · built 1985
Lot Size	0.531 acres (23,173 sqft)
Owner	Individual Name on Record
Last Sale	$720,000 (Aug 2021)
Tax Bill	$8,147 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`37-05-26-014614-038-00`

Property Details

APN / Parcel Number

Primary APN	`37-05-26-014614-038-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,560 sqft Heated Area
Gross Area	3,842 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	23,173 sqft (0.531 acres)
Lot Dimensions	232 ft deep x 100 ft wide
Garage Area	550 sqft

Exterior Amenities

Porch	Porch
Porch Area	732 sqft
Deck Area	567 sqft
Patio Area	652 sqft
Boat Access	Boat Access
Boat House	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	357 OAK DR S
City	FLEMING ISLAND
State	FL
Zip	32003-8777
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 112 FLEMING OAKS UNIT 4 ASREC O R 4496 PG 1847
Legal Range	26
Legal Township	05
Legal Section	37
Legal Subdivision	FLEMING OAKS
Legal Lot Number	112
Legal Unit	4
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2001
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
Mailing Address	357 OAK DR S, FLEMING ISLAND, FL 32003-8777
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Aug 17, 2021	Warranty Deed, Transfer · VA Mortgage HOMETOWN EQUITY MORTGAGE
Apr 14, 2017	Deed of Trust, Mortgage · Line of Credit VYSTAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2021 · Amount on Record
Deed Sale	Aug 17, 2021 · Amount on Record
Prior Sale	Aug 5, 2015 · Amount on Record
Deed Document Number	2021051270
Deed Book / Page	4496 / 1847
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	357 OAK DR S, FLEMING ISLAND, FL 32003-8777
Transaction Type	Mortgage
Record Updated	Jan 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 OAK DR S, FLEMING ISLAND, FL 32003-8777

Mortgage

Document Number	0046810140
Date	Jan 10, 2023
Book Page	4681/140
Instrument	2023001348

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jan 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Aug 17, 2021
Property Address	357 OAK DR S, FLEMING ISLAND, FL 32003-8777
Document Number	0044961847
Book / Page	4496 / 1847
Map Reference	MB 16 PG 3&4
Instrument Date	Aug 13, 2021
Instrument	2021051270
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,040.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6376 ISLAND FOREST DR, 6376, FLEMING ISLAND, FL 32003-8257

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 OAK DR S, FLEMING ISLAND, FL 32003-8777

Mortgage

Document Number	44961849
Date	Aug 17, 2021
Instrument	4496/1849

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	357 OAK DR S, FLEMING ISLAND, FL 32003-8777
Document Number	0039701960
Book / Page	003970 / 001960
Instrument Date	Apr 14, 2017
Transaction Type	Mortgage
Record Updated	May 30, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	357 OAK DR S FLEMING ISLAND FL 320038777, FLEMING ISLAND, FL 32003-8777

Mortgage

Document Number	0039701960
Date	May 9, 2017
Book Page	003970/001960
Instrument	23335

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 8, 2027

Interest

Rate Type	Adjustable Rate

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	$8,147.00 (+2.56%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$584,335 (+5.99%)	$593,515 (+1.6%) Land $235,000 Building $358,515
2023	$7,944.00 (+3.56%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$551,328 (+3%)	$584,183 (+9.14%) Land $235,000 Building $349,183
2022	$7,671.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$535,270 Land $235,000 Building $300,270	$535,270 Land $235,000 Building $300,270

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 191 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	191 in force
Nearby Flood Claims	57 (1980–2024)
Claims Outside the SFHA	31 of 57
Most Recent Claim	Sep 2024 · other causes
Claims by Event	Hurricane Nicole, Nov 2022 · 2 claims Hurricane Irma, Sep 2017 · 38 claims Hurricane Frances, Sep 2004 · 5 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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: IQ Fiber.

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