3598 Westover Rd, Fleming Island, FL 32003 Property Records

Clay County property record for 3598 Westover Rd, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,360 sqft · built 2004
Lot Size	0.504 acres (21,997 sqft)
Owner	Individual Name on Record
Last Sale	$730,000 (Aug 2023)
Tax Bill	$11,555 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44-04-26-014078-006-00`

Property Details

APN / Parcel Number

Primary APN	`44-04-26-014078-006-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,360 sqft Heated Area
Gross Area	4,250 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Exterior Material	Logs
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	260 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Porch
Porch Area	256 sqft
Storage Building	75 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3598 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 4 AS REC OR 4751 PG 811
Legal Range	26
Legal Township	04
Legal Section	44
Legal Subdivision	WESTOVER STATION
Legal Lot Number	4
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	3598 WESTOVER RD, FLEMING ISLAND, FL 32003-7104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 22, 2020	Warranty Deed, Transfer BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2023 · Amount on Record
Deed Sale	Aug 24, 2023 · Amount on Record
Prior Sale	May 22, 2020 · Amount on Record
Deed Document Number	2023043197
Deed Book / Page	4751 / 811
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Aug 24, 2023
Property Address	3598 WESTOVER RD, FLEMING ISLAND, FL 32003-7104
Document Number	0047510811
Book / Page	4751 / 811
Instrument Date	Aug 11, 2023
Instrument	2023043197
Transaction Type	Transfer
Record Updated	Sep 27, 2023
Title Company	LANDMARK TITLE, LANDMARK TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,110.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	241 OAK DR S, FLEMING ISLAND, FL 32003-8777

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3598 WESTOVER RD, FLEMING ISLAND, FL 32003-7104

Mortgage

Document Number	0004751814
Date	Aug 24, 2023
Instrument	4751/814

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	May 22, 2020
Property Address	3598 WESTOVER RD, FLEMING ISLAND, FL 32003-7104
Document Number	0043100823
Book / Page	004310 / 000823
Instrument Date	May 18, 2020
Instrument	25233
Transaction Type	Transfer
Record Updated	Jun 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,017.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3598 WESTOVER RD FLEMING ISLAND FL 320037104, FLEMING ISLAND, FL 32003-7104

Mortgage

Document Number	43100826
Date	May 22, 2020
Book Page	004310/000826
Instrument	25234

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 21, 2050

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	$11,555.00 (+73.81%)	$757,602 (+66.15%) Land $40,000 Building $717,602	$757,602 (+3.58%) Land $40,000 Building $717,602
2023	$6,648.00 (+4.76%) Homeowner's exemption	$455,987 (+3%)	$731,437 (+63.88%) Land $40,000 Building $691,437
2022	$6,346.00 Homeowner's exemption	$442,706	$446,321 Land $40,000 Building $406,321

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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