3765 Westover Rd, Fleming Island, FL 32003 Property Records

Clay County property record for 3765 Westover Rd, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,182 sqft · built 1963
Lot Size	0.745 acres (32,495 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Apr 2013)
Tax Bill	$7,846 (2025)
Deeds & Mortgages	Aug 2017 Loan Modification
Flood Zone	Zone AE (high risk)
APN	`28-04-26-014087-000-00`

Property Details

APN / Parcel Number

Primary APN	`28-04-26-014087-000-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,182 sqft Heated Area
Gross Area	7,021 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	32,495 sqft (0.745 acres)
Lot Dimensions	319 ft deep x 102 ft wide
Garage Area	768 sqft

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	587 sqft
Porch	Porch
Porch Area	898 sqft
Deck Area	692 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3765 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 3 WESTOVER AS REC O R 3522PG 801
Legal Range	26
Legal Township	04
Legal Section	28
Legal Subdivision	WESTOVER
Legal Lot Number	3
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	1
Census Block	1001
Census Tract	30701

Owner

Source: Clay County records · APN 28-04-26-014087-000-00

Assessment roll updated July 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	3765 WESTOVER RD, FLEMING ISLAND, FL 32003-7107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 10, 2013 · Amount on Record
Deed Sale	Apr 10, 2013 · Amount on Record
Deed Document Number	2013021715
Deed Book / Page	3522 / 0801
Record Updated	Jun 08, 2026

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY FL
Property Address	3765 WESTOVER RD, FLEMING ISLAND, FL 32003-7107
Document Number	0040071139
Book / Page	004007 / 001139
Instrument Date	Aug 02, 2017
Transaction Type	Mortgage
Record Updated	Sep 22, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	392 FOXTAIL AVE MIDDLEBURG FL 320684727, MIDDLEBURG, FL 32068-4727

Mortgage

Document Number	0040071139
Date	Aug 29, 2017
Book Page	004007/001139
Instrument	44359

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 28, 2027

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Clay County
Unified School District	Clay County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,846.00 (+2.29%) Homeowner's exemption	$554,608 (+5.99%)	$868,728 (+14.95%) Land $517,143 Building $351,585
2023	$7,670.00 (+9%) Homeowner's exemption	$523,280 (+7.21%)	$755,746 (+18.6%) Land $413,714 Building $342,032
2022	$7,037.00 Homeowner's exemption	$488,093	$637,199 Land $362,000 Building $275,199

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 6, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	4.0 ft
Flood Insurance Requirement	Required federally backed loans
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

Wildfire

Wildfire Risk	Moderate above 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
IQ Fiber Intermediate Holdings Fiber	5,000 / 5,000
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 19 locations within half a mile of this property.

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