Clay County property record for 409 River Birch Ln, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,461 sqft · built 2002 |
| Lot Size | 0.563 acres (24,567 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $50,000 (Jan 1998) |
| Tax Bill | $5,124 (2025) |
| Deeds & Mortgages | Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 37-05-26-014608-003-02 |
| Primary APN | 37-05-26-014608-003-02 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,461 sqft Heated Area |
| Gross Area | 4,219 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 24,567 sqft (0.563 acres) |
| Lot Dimensions | 205 ft deep x 120 ft wide |
| Garage Area | 720 sqft |
| Porch | Porch |
| Porch Area | 38 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 409 RIVER BIRCH LN |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-5005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | LOT 2 CHRISTOPHER COVE UNIT 2AS REC O R 1696 PG 2053 |
| Legal Range | 26 |
| Legal Township | 05 |
| Legal Section | 37 |
| Legal Subdivision | CHRISTOPHER COVE |
| Legal Phase | ER |
| Legal Lot Number | 2 |
| Legal Unit | 2AS |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 30701 |
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 | 2 Individual Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 409 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 15, 1998 · Amount on Record |
| Deed Sale | Jan 15, 1998 · Amount on Record |
| Deed Document Number | 0016962053 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 409 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0042571405 |
|---|---|
| Date | Dec 5, 2019 |
| Book Page | 4257/1405 |
| Instrument | 2019064624 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
Source: Clay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,124.00 (+0.22%) Homeowner's exemption | $376,101 (+5.99%) | $590,944 (+6.04%) Land $70,000 Building $520,944 |
| 2023 | $5,113.00 (+5.38%) Homeowner's exemption | $354,857 (+3%) | $557,270 (+16.38%) Land $70,000 Building $487,270 |
| 2022 | $4,852.00 Homeowner's exemption | $344,522 | $478,843 Land $70,000 Building $408,843 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 191 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 191 in force |
| Nearby Flood Claims | 57 (1980–2024) |
| Claims Outside the SFHA | 31 of 57 |
| Most Recent Claim | Sep 2024 · other causes |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 226 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| IQ Fiber Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Hotwire Communications.
5G (outdoors only) and 4G LTE
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