3701 Westover Rd, Fleming Island, FL 32003 Property Records

Clay County property record for 3701 Westover Rd, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 4,243 sqft · built 1999
Lot Size	1.09 acres (47,654 sqft)
Owner	Company Name on Record
Last Sale	$145,000 (Aug 1997)
Tax Bill	$10,293 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jun 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`45-04-26-014091-000-00`

Property Details

APN / Parcel Number

Primary APN	`45-04-26-014091-000-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	4,243 sqft Heated Area
Gross Area	5,376 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	3 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	47,654 sqft (1.09 acres)
Lot Dimensions	422 ft deep x 113 ft wide
Garage Area	1,080 sqft

Exterior Amenities

Pool Area	480 sqft
Porch	Porch
Porch Area	437 sqft
Patio Area	340 sqft
Balcony	Balcony
Balcony Area	340 sqft
Fence	Fence
Boat Access	Boat Access
Boat House	390 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3701 WESTOVER RD
City	FLEMING ISLAND
State	FL
Zip	32003-7107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 7 WESTOVER AS REC O R 1672PG 1200 & 4732 PG 267
Legal Range	26
Legal Township	04
Legal Section	45
Legal Subdivision	WESTOVER
Legal Lot Number	7
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	Company Name on Record
Co-owner	2 Co-owners on Record
Mailing Address	3701 WESTOVER RD, FLEMING ISLAND, FL 32003-7107
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Jun 26, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Aug 20, 1997 · Amount on Record
Deed Sale	Aug 20, 1997 · Amount on Record
Deed Document Number	0016721200
Deed Book / Page	4504
Last Transfer Date	Jun 26, 2023
Transfer Doc	0047320267
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Recording Date	Jun 3, 2026
Property Address	3701 WESTOVER RD, FLEMING ISLAND, FL 32003-7107
Document Number	0000026915
Book / Page	5051 / 877
Instrument Date	Apr 27, 2026
Instrument	202626915
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3701 WESTOVER RD, FLEMING ISLAND, FL 32003-7107

Mortgage

Document Number	0000026915,
Date	Jun 3, 2026
Book Page	5051/877
Instrument	202626915

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2056

Interest

Rate	6.38%
Max Rate	-1%

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY FL
Recording Date	Jun 26, 2023
Property Address	3701 WESTOVER RD, FLEMING ISLAND, FL 32003-7107
Document Number	0047320267
Book / Page	4732 / 267
Map Reference	MB 3 PG 25
Instrument Date	Jun 22, 2023
Instrument	2023031374
Transaction Type	Transfer
Record Updated	Jul 19, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3701 WESTOVER RD, FLEMING ISLAND, FL 32003-7107

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3701 WESTOVER RD, FLEMING ISLAND, FL 32003-7107

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	$10,293.00 (+3.26%) Homeowner's exemption	$715,000 (+5.99%)	$1,344,091 (+11.58%) Land $631,125 Building $712,966
2023	$9,968.00 (+4.09%) Homeowner's exemption	$674,612 (+3%)	$1,204,579 (+19.06%) Land $504,900 Building $699,679
2022	$9,576.00 Homeowner's exemption	$654,964	$1,011,714 Land $441,788 Building $569,926

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 AE, within 100 ft
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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