4128 Arbor Mill Cir, Orange Park, FL 32065 Property Records

Clay County property record for 4128 Arbor Mill Cir, Orange Park, FL 32065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,677 sqft · built 2016
Lot Size	0.252 acres (10,977 sqft)
Owner	Individual Name on File
Last Sale	$450,000 (Nov 2020)
Tax Bill	$5,775 (2023)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-04-25-007869-809-45`

Property Details

APN / Parcel Number

Primary APN	`06-04-25-007869-809-45`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	3,677 sqft Living Area
Gross Area	4,379 sqft
1st Floor Area	1,792 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,977 sqft (0.252 acres)
Garage Type	Attached
Garage Area	702 sqft
Porch	Finished/Open Porch
Porch Area	230 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4128 ARBOR MILL CIR
City	ORANGE PARK
State	FL
Zip	32065-3203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 145 ARBOR MILL AT OAKLEAF PLANTATION AS REC OR 4373 PG 806
Legal Range	25E
Legal Township	04S
Legal Section	06
Legal Subdivision	ARBOR MILL AT OAKLEAF PLANTATION
Legal Lot Number	145
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	3
Census Block	3002
Census Tract	30205

Owner

4128 Arbor Mill Cir is owned and occupied by an individual who bought it in November 2020.

Source: Clay County records, as of August 26, 2026

Owner of Record	Individual Name on File
Mailing Address	4128 ARBOR MILL CIR, ORANGE PARK, FL 32065-3203
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Sep 9, 2025	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Nov 19, 2021	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Nov 5, 2020	Warranty Deed, Transfer · VA Mortgage NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2020 · Amount on File
Deed Sale	Nov 5, 2020 · Amount on File
Prior Sale	Oct 14, 2016 · Amount on File
Deed Document Number	202058126
Deed Book / Page	4373 / 806
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Recording Date	Aug 4, 2026
Property Address	4128 ARBOR MILL CIR, ORANGE PARK, FL 32065-3203
Document Number	0000038583
Book / Page	5073 / 370
Instrument Date	Jul 30, 2026
Instrument	202638583
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4128 ARBOR MILL CIR, ORANGE PARK, FL 32065-3203

Mortgage

Document Number	0000038583,
Date	Aug 4, 2026
Book Page	5073/370
Instrument	202638583

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4128 ARBOR MILL CIR, ORANGE PARK, FL 32065-3203
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4128 ARBOR MILL CIR, ORANGE PARK, FL 32065-3203

Mortgage

Document Number	0049671406
Date	Sep 9, 2025
Book Page	4967/1406
Instrument	2025042567

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4128 ARBOR MILL CIR, ORANGE PARK, FL 32065-3203
Transaction Type	Mortgage
Record Updated	Dec 6, 2021
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4128 ARBOR MILL CIR, ORANGE PARK, FL 32065-3203

Mortgage

Document Number	0045371855
Date	Nov 19, 2021
Book Page	4537/1855
Instrument	2021073770

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Nov 5, 2020
Property Address	4128 ARBOR MILL CIR, ORANGE PARK, FL 32065-3203
Document Number	0043730806
Book / Page	4373 / 806
Map Reference	MB 58 PG 10-22
Instrument Date	Oct 16, 2020
Instrument	2020058126
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	WATSON TTL SVCS OF NORTH FL

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4156 BRIDLE WAY, 4156, VIRGINIA BEACH, VA 23456-7124

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4128 ARBOR MILL CIR, ORANGE PARK, FL 32065-3203

Mortgage

Document Number	0004373808
Date	Nov 5, 2020
Instrument	4373/808

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: Clay County assessment roll, as of December 3, 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	Veteran's exemption	$432,929	$523,814 Land $60,000 Building $463,814
2023	$5,775.00 (+3.85%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$408,474 (+3%)	$533,415 (+4.04%) Land $60,000 Building $473,415
2022	$5,561.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$396,577	$512,724 Land $50,000 Building $462,724

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

Flood

FEMA maps place 4128 Arbor Mill Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force

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

Wildfire risk around 4128 Arbor Mill Cir is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 222 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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