416 River Birch Ln, Fleming Island, FL 32003 Property Records

Clay County property record for 416 River Birch Ln, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,475 sqft · built 1996
Lot Size	0.408 acres (17,816 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (May 1996)
Tax Bill	$3,477 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`37-05-26-014608-002-05`

Property Details

APN / Parcel Number

Primary APN	`37-05-26-014608-002-05`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,475 sqft Heated Area
Gross Area	3,218 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,816 sqft (0.408 acres)
Lot Dimensions	155 ft deep x 115 ft wide
Garage Area	483 sqft
Porch	Porch
Porch Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	416 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 5 CHRISTOPHER COVE UNIT 1AS REC O R 1604 PG 577
Legal Range	26
Legal Township	05
Legal Section	37
Legal Subdivision	CHRISTOPHER COVE
Legal Phase	ER
Legal Lot Number	5
Legal Unit	1AS
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2001
Census Tract	30701

Owner

416 River Birch Ln is owned and occupied by two individuals who bought it in May 1996.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	416 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005
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
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 1996 · Amount on File
Deed Sale	May 22, 1996 · Amount on File
Deed Document Number	0001604577
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	416 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005
Transaction Type	Mortgage
Record Updated	Dec 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005

Mortgage

Document Number	0045461040
Date	Dec 10, 2021
Book Page	4546/1040
Instrument	2021078596

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	416 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042021003
Date	Jun 17, 2019
Book Page	4202/1003
Instrument	2019031123

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 416 River Birch Ln was $3,477 with a homeowner's exemption.

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	$3,477.00 Homeowner's exemption	$268,142	$414,147 Land $70,000 Building $344,147
2023	$3,566.00 (+6.54%) Homeowner's exemption	$252,997 (+3%)	$392,813 (+15.15%) Land $70,000 Building $322,813
2022	$3,347.00 Homeowner's exemption	$245,629	$341,124 Land $70,000 Building $271,124

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

Flood

FEMA maps place 416 River Birch Ln 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
Flood Insurance Cost	Premium on File 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	Hurricane Nicole, Nov 2022 · 2 claims Hurricane Irma, Sep 2017 · 38 claims Hurricane Frances, Sep 2004 · 5 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

Wildfire risk around 416 River Birch Ln is low, with a 0.02% annual chance of 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 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.

Internet Providers

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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