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

Clay County property record for 421 River Birch Ln, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,171 sqft · built 2002
Lot Size	0.724 acres (31,564 sqft)
Owner	2 Owner Names on Record
Last Sale	$30,000 (Apr 2002)
Tax Bill	$324 (2023)
Deeds & Mortgages	Oct 2023 Second Mortgage May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`37-05-26-014608-003-05`

Property Details

APN / Parcel Number

Primary APN	`37-05-26-014608-003-05`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,171 sqft Heated Area
Gross Area	3,502 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	31,564 sqft (0.724 acres)
Garage Area	542 sqft
Porch	Porch
Porch Area	340 sqft
Patio Area	449 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	421 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 2AS REC O R 2040 PG 40
Legal Range	26
Legal Township	05
Legal Section	37
Legal Subdivision	CHRISTOPHER COVE 02
Legal Phase	ER
Legal Lot Number	5
Legal Unit	2AS
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2001
Census Tract	30701

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	2 Owner Names on Record
Mailing Address	421 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU
May 23, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2002 · Amount on Record
Deed Sale	Apr 10, 2002 · Amount on Record
Deed Document Number	200218924
Deed Book / Page	2040 / 0040
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	421 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005
Transaction Type	Mortgage
Record Updated	Nov 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005

Mortgage

Document Number	0047651907
Date	Oct 16, 2023
Book Page	4765/1907
Instrument	2023051682

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2043

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	421 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005
Transaction Type	Mortgage
Record Updated	Jun 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005

Mortgage

Document Number	0046101329
Date	May 23, 2022
Book Page	4610/1329
Instrument	2022032490

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

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	Disabled Person's exemption Veteran's exemption	$288,826 (+5.99%)	$422,166 (+5.67%) Land $70,000 Building $352,166
2023	$324.00 (+54.29%) Disabled Person's exemption Veteran's exemption	$272,512 (+3%)	$399,504 (+15.13%) Land $70,000 Building $329,504
2022	$210.00 Disabled Person's exemption Veteran's exemption	$264,575	$346,989 Land $70,000 Building $276,989

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 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	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

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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