3861 Eldridge Ave, Orange Park, FL 32073 Property Records

Clay County property record for 3861 Eldridge Ave, Orange Park, FL 32073

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,679 sqft · built 2005
Lot Size	0.178 acres (7,797 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Nov 2021)
Tax Bill	$4,700 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40-03-26-018442-029-02`

Property Details

APN / Parcel Number

Primary APN	`40-03-26-018442-029-02`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	2,679 sqft Heated Area
Gross Area	3,437 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,797 sqft (0.178 acres)
Garage Area	479 sqft
Porch	Porch
Porch Area	279 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3861 ELDRIDGE AVE
City	ORANGE PARK
State	FL
Zip	32073-2154
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOTS 9 & 13 BLK V ISLAND VIEW AS REC O R 4533 PG 1779
Legal Range	26
Legal Township	03
Legal Section	40
Legal Subdivision	ISLAND VIEW
Legal Block	V
Legal Lot Number	9,13 13
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2001
Census Tract	30600

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	3861 ELDRIDGE AVE, ORANGE PARK, FL 32073-2154
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Nov 10, 2021	Warranty Deed, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2021 · Amount on Record
Deed Sale	Nov 10, 2021 · Amount on Record
Prior Sale	Jun 23, 2015 · Amount on Record
Deed Document Number	2021071455
Deed Book / Page	4533 / 1779
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3861 ELDRIDGE AVE, ORANGE PARK, FL 32073-2154
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3861 ELDRIDGE AVE, ORANGE PARK, FL 32073-2154

Mortgage

Document Number	0047600414
Date	Sep 26, 2023
Book Page	4760/414
Instrument	2023048245

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 20, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Nov 10, 2021
Property Address	3861 ELDRIDGE AVE, ORANGE PARK, FL 32073-2154
Document Number	0045331779
Book / Page	4533 / 1779
Map Reference	MB 6 PG 10
Instrument Date	Nov 5, 2021
Instrument	2021071455
Transaction Type	Transfer
Record Updated	Nov 24, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3861 ELDRIDGE AVE, ORANGE PARK, FL 32073-2154

Mortgage

Document Number	45331782
Date	Nov 10, 2021
Instrument	4533/1782

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

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	$4,700.00 (-13.38%)	$308,204 (-8.28%) Land $20,000 Building $288,204	$308,204 (-8.28%) Land $20,000 Building $288,204
2023	$5,426.00 (+8.43%)	$336,018 (+6.65%) Land $20,000 Building $316,018	$336,018 (+6.65%) Land $20,000 Building $316,018
2022	$5,004.00	$315,053 Land $20,000 Building $295,053	$315,053 Land $20,000 Building $295,053

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	5 (2004–2017)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 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 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	JEA MAJOR GRID serves 826,664 people · EPA ID FL2161328
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 49 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

May also be available: AT&T, Verizon.

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