378 Lucy's Ln, Fleming Island, FL 32003 Property Records

Clay County property record for 378 Lucy's Ln, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,602 sqft · built 1979
Lot Size	0.501 acres (21,867 sqft)
Owner	2 Owner Names on Record
Last Sale	$152,000 (Aug 2004)
Tax Bill	$1,883 (2025)
Deeds & Mortgages	May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-04-26-013150-013-00`

Property Details

APN / Parcel Number

Primary APN	`27-04-26-013150-013-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,602 sqft Heated Area
Gross Area	2,400 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,867 sqft (0.501 acres)
Lot Dimensions	219 ft deep x 100 ft wide
Garage Area	600 sqft
Porch	Porch
Porch Area	198 sqft
Storage Building	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	378 LUCYS LN
City	FLEMING ISLAND
State	FL
Zip	32003-7872
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Description	LOT 12 RAGGEDY POINT UNIT 2 ASREC O R 2423 PG 251
Legal Range	26
Legal Township	04
Legal Section	27
Legal Subdivision	RAGGEDY POINT
Legal Lot Number	12
Legal Unit	2
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	1
Census Block	1007
Census Tract	30701

Owner

Source: Clay County records, as of December 18, 2025

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 Owner Names on Record
Mailing Address	378 LUCYS LN, FLEMING ISLAND, FL 32003-7872
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2004 · Amount on Record
Deed Sale	Aug 27, 2004 · Amount on Record
Deed Document Number	2004070134
Deed Book / Page	2423 / 0251
Record Updated	Jun 8, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	378 LUCYS LN, FLEMING ISLAND, FL 32003-7872
Document Number	0039831429
Book / Page	003983 / 001429
Instrument Date	May 31, 2017
Transaction Type	Mortgage
Record Updated	Jul 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	378 LUCYS LN FLEMING ISLAND FL 320037872, FLEMING ISLAND, FL 32003-7872

Mortgage

Document Number	0039831429
Date	Jun 14, 2017
Book Page	003983/001429
Instrument	30353

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2047

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	$1,883.00 (-8.99%) Homeowner's exemption	$163,664 (+5.99%)	$254,464 (+2.43%) Land $50,000 Building $204,464
2023	$2,069.00 (+9.41%) Homeowner's exemption	$154,420 (+3%)	$248,425 (+11.54%) Land $50,000 Building $198,425
2022	$1,891.00 Homeowner's exemption	$149,923	$222,718 Land $50,000 Building $172,718

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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% 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 204 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20