3597 Cunningham Rd, Orange Park, FL 32065 Property Records

Clay County property record for 3597 Cunningham Rd, Orange Park, FL 32065 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,405 sqft · built 2023
Lot Size	0.144 acres (6,291 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,340 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-04-25-007873-004-22`

Property Details

APN / Parcel Number

Primary APN	`08-04-25-007873-004-22`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,405 sqft Living Area
Gross Area	2,875 sqft
1st Floor Area	1,065 sqft
Flooring	Carpet

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,291 sqft (0.144 acres)
Garage Type	Attached
Garage Area	470 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3597 CUNNINGHAM RD
City	ORANGE PARK
State	FL
Zip	32065-8228
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 22 SUGAR LEAF FARMS AS REC OR 4736 PG 80
Legal Subdivision	SUGAR LEAF FARMS
Legal Lot Number	22
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	3
Census Block	3003
Census Tract	30207

Owner

Source: Clay County records · APN 08-04-25-007873-004-22

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	3597 CUNNINGHAM RD, ORANGE PARK, FL 32065-8228
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 06, 2023
Deed Sale	Jul 06, 2023
Deed Document Number	202333701
Deed Book / Page	4736 / 80
Record Updated	Sep 20, 2026

July 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jul 06, 2023
Property Address	3597 CUNNINGHAM RD, ORANGE PARK, FL 32065-8228
Document Number	0047360080
Book / Page	4736 / 80
Map Reference	MB 67 PG 36-43
Instrument Date	Jul 03, 2023
Instrument	2023033701
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 09, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3597 CUNNINGHAM RD, ORANGE PARK, FL 32065-8228

Mortgage

Document Number	0000473685
Date	Jul 06, 2023
Instrument	4736/85

Lender

Name	HOMEAMERICA LENDING CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2053

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	$5,340.00 (-1.75%)	$390,311 (+680.62%) Land $65,000 Building $325,311	$390,311 (+680.62%) Land $65,000 Building $325,311
2024	$5,435.00 (+616.07%)
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 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120190302073, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 6 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	6 in force 6 of 6 on primary residences

Wildfire

Wildfire Risk	Moderate above 53% of the US · above 24% of Florida
Wildfire Likelihood	About 1 in 943 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.