3627 Westover Rd, Fleming Island, FL 32003 Property Records

Clay County property record for 3627 Westover Rd, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,963 sqft · built 2021
Lot Size	1.29 acres (56,279 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Dec 2019)
Tax Bill	$16,896 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`44-04-26-014095-000-00`

Property Details

APN / Parcel Number

Primary APN	`44-04-26-014095-000-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	3,963 sqft Living Area
Gross Area	5,620 sqft
1st Floor Area	3,963 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Accessibility Features	Accessibility Features

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	56,279 sqft (1.29 acres)
Lot Dimensions	477 ft deep x 118 ft wide
Garage Type	Attached
Garage Area	872 sqft

Exterior Amenities

Pool Area	1,386 sqft
Porch	Patio
Porch Area	223 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3627 WESTOVER RD
City	FLEMING ISLAND
State	FL
Zip	32003-7105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 11 WESTOVER AS REC OR 4755 PG 599
Legal Range	26E
Legal Township	04S
Legal Section	44
Legal Subdivision	WESTOVER
Legal Lot Number	11
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	1
Census Block	1001
Census Tract	30701

Owner

3627 Westover Rd is owned and occupied by two individuals who bought it in December 2019.

Source: Clay County records, as of August 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3627 WESTOVER RD, FLEMING ISLAND, FL 32003-7105
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Sep 8, 2023	Warranty Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Dec 26, 2019	Special Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2019 · Amount on File
Deed Sale	Dec 26, 2019 · Amount on File
Prior Sale	Jan 11, 2019 · Amount on File
Deed Document Number	201968217
Deed Book / Page	4263 / 1954
Prior Transfer Date	Oct 4, 2004
Prior Transfer Doc	0000084678
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3627 WESTOVER RD, FLEMING ISLAND, FL 32003-7105
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3627 WESTOVER RD, FLEMING ISLAND, FL 32003-7105

Mortgage

Document Number	0050231515
Date	Mar 16, 2026
Book Page	5023/1515
Instrument	2026011956

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	FLINT, MI 48501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.52%
Type Change Date	Apr 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.5%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.5%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Sep 8, 2023
Property Address	3627 WESTOVER RD, FLEMING ISLAND, FL 32003-7105
Document Number	0047550599
Book / Page	4755 / 599
Map Reference	MB 3 PG 25
Instrument Date	Sep 8, 2023
Instrument	2023045470
Transaction Type	Transfer
Record Updated	Oct 3, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3627 WESTOVER RD, FLEMING ISLAND, FL 32003-7105

Mortgage

Document Number	0004755601
Date	Sep 8, 2023
Instrument	4755/601

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Oct 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11%
Margin	3
Max Rate	11%

December 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Dec 26, 2019
Property Address	3627 WESTOVER RD, FLEMING ISLAND, FL 32003-7105
Document Number	0042631954
Book / Page	4263 / 1954
Map Reference	MB 3 PG 25
Instrument Date	Dec 19, 2019
Instrument	2019068217
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	SHEFFIELD & BOATRIGHT TTL SV

Transaction

Amount	Amount on Record
Tax	$2,940.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5214 LINCOLN ROAD EXT, 5214, HATTIESBURG, MS 39402-8072

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4592 PLANTATION OAKS BLVD, ORANGE PARK, FL 32065-3649
Investor	Possibly a Property Investor

Mortgage

Document Number	0042631956
Date	Dec 26, 2019
Instrument	4263/1956

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	376 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3627 Westover Rd was $16,896, up 4.6% from the year before.

Source: Clay County assessment roll, as of December 3, 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	$16,896.00 (+4.59%)	$1,147,918	$1,637,222 Land $692,076 Building $945,146
2024	$16,154.00 (+7.84%)
2023	$14,979.00 (+3.65%) Homeowner's exemption	$1,004,602 (+3%)	$1,279,060 (+20.45%) Land $553,661 Building $725,399
2022	$14,452.00 Homeowner's exemption	$975,342	$1,061,879 Land $484,453 Building $577,426

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3627 Westover Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 3627 Westover Rd is moderate, ranking above 50% of the US, with a 0.08% annual chance of 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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