3580 Westover Rd, Fleming Island, FL 32003 Property Records

Clay County property record for 3580 Westover Rd, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,608 sqft · built 2006
Lot Size	0.504 acres (21,997 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Mar 2006)
Tax Bill	$2,906 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44-04-26-014078-007-00`

Property Details

APN / Parcel Number

Primary APN	`44-04-26-014078-007-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,608 sqft Heated Area
Gross Area	3,479 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Exterior Material	Stucco
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	484 sqft
Porch	Porch
Porch Area	107 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3580 WESTOVER RD
City	FLEMING ISLAND
State	FL
Zip	32003-7104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SEC OF E HWY & W OF WESTOVER RD A/K/A PRCL 5 AS REC O R 2692 PG 1990
Legal Range	26
Legal Township	04
Legal Section	44
Legal Subdivision	WESTOVER STATION
Legal Lot Number	5
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	3580 WESTOVER RD, FLEMING ISLAND, FL 32003-7104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC
Jun 29, 2017	Deed of Trust, Mortgage · FHA Mortgage WYNDHAM CAPITAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2006 · Amount on Record
Deed Sale	Mar 15, 2006 · Amount on Record
Prior Sale	Jan 20, 2006 · Amount on Record
Deed Document Number	2006017762
Deed Book / Page	2692 / 1990
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3580 WESTOVER RD, FLEMING ISLAND, FL 32003-7104
Transaction Type	Mortgage
Record Updated	Jan 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3580 WESTOVER RD, FLEMING ISLAND, FL 32003-7104

Mortgage

Document Number	0044250201
Date	Mar 5, 2021
Book Page	4425/201
Instrument	2021013617

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2036

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3580 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	0039880884
Date	Jun 29, 2017
Book Page	3988/0884
Instrument	2017033048

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28210

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2032

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	$2,906.00 (-4.09%) Homeowner's exemption	$230,703 (+5.99%)	$592,219 (+2.82%) Land $40,000 Building $552,219
2023	$3,030.00 (+7.26%) Homeowner's exemption	$217,672 (+3%)	$575,986 (+66.03%) Land $40,000 Building $535,986
2022	$2,825.00 Homeowner's exemption	$211,333	$346,915 Land $40,000 Building $306,915

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	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.08% 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 19 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	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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