Clay County property record for 422 Lucy's Ln, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,199 sqft · built 1979 |
| Lot Size | 0.416 acres (18,120 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,492 (2023) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Jun 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-04-26-013150-010-00 |
| Primary APN | 27-04-26-013150-010-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 2,199 sqft Living Area |
| Gross Area | 3,025 sqft |
| 1st Floor Area | 1,867 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 18,120 sqft (0.416 acres) |
| Lot Dimensions | 189 ft deep x 96 ft wide |
| Garage Type | Attached |
| Garage Area | 826 sqft |
| Porch | Screened/Unfinished Porch |
|---|---|
| Porch Area | 570 sqft |
| Deck Area | 130 sqft |
| Patio Area | 64 sqft |
| Storage Building | 780 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 422 LUCYS LN |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-7872 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Description | LOT 9 RAGGEDY POINT UNIT 2 AS REC OR 4775 PG 106 |
| Legal Range | 26E |
| Legal Township | 04S |
| Legal Section | 27 |
| Legal Subdivision | RAGGEDY POINT UNIT 2 |
| Legal Lot Number | 9 |
| Legal Unit | 2 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 30701 |
422 Lucy's Ln is owned and occupied by an individual who acquired it in November 2023.
Source: Clay County records, as of March 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 422 LUCYS LN, FLEMING ISLAND, FL 32003-7872 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 20, 2023 | Warranty Deed, Transfer · VA Mortgage JET HOMELOANS LLC |
| Jun 7, 2022 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 20, 2023 |
| Deed Sale | Nov 20, 2023 |
| Prior Sale | Apr 26, 2002 · Amount on File |
| Deed Document Number | 202357495 |
| Deed Book / Page | 4775 / 106 |
| Prior Transfer Date | Jun 2, 2022 |
| Prior Transfer Doc | 0046160340 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Nov 20, 2023 |
| Property Address | 422 LUCYS LN, FLEMING ISLAND, FL 32003-7872 |
| Document Number | 0047750106 |
| Book / Page | 4775 / 106 |
| Map Reference | MB 15 PG 36 |
| Instrument Date | Nov 20, 2023 |
| Instrument | 2023057495 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2023 |
| Title Company | ATLANTIC EAST TITLE, ATLANTIC COAST T&E |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1950 CATLYN CT, GREEN COVE SPRINGS, FL 32043-9603 |
| Name | Verified Name |
|---|---|
| Address | 422 LUCYS LN, FLEMING ISLAND, FL 32003-7872 |
| Document Number | 0004775108 |
|---|---|
| Date | Nov 20, 2023 |
| Instrument | 4775/108 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jun 7, 2022 |
| Property Address | 422 LUCYS LN, FLEMING ISLAND, FL 32003-7872 |
| Document Number | 0046160340 |
| Book / Page | 4616 / 340 |
| Map Reference | MB 15 PG 36 |
| Instrument Date | Jun 2, 2022 |
| Instrument | 2022035740 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 422 LUCYS LN, 422, FLEMING ISLAND, FL 32003-7872 |
| Name | Verified Name |
|---|---|
| Address | 422 LUCYS LN, FLEMING ISLAND, FL 32003-7872 |
Source: Clay County assessment roll, as of December 3, 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 | $354,947 | $395,151 Land $50,000 Building $345,151 | |
| 2023 | $2,492.00 (+2.38%) Homeowner's exemption Widower's exemption Additional exemption filed | $215,572 (+16.12%) | $383,775 (+19.5%) Land $50,000 Building $333,775 |
| 2022 | $2,434.00 Homeowner's exemption | $185,648 | $321,153 Land $50,000 Building $271,153 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 422 Lucy's 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 132 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 132 in force |
| Nearby Flood Claims | 26 (2005–2020) |
| Claims Outside the SFHA | 10 of 26 |
| Most Recent Claim | Jul 2020 · 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.
Wildfire risk around 422 Lucy's Ln is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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 204 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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