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

Clay County property record for 424 River Birch Ln, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,470 sqft · built 1996
Lot Size	0.409 acres (17,816 sqft)
Owner	Individual Name on Record
Last Sale	$575,000 (Feb 2022)
Tax Bill	$8,412 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Dec 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`37-05-26-014608-002-07`

Property Details

APN / Parcel Number

Primary APN	`37-05-26-014608-002-07`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,470 sqft Living Area
Gross Area	3,042 sqft
1st Floor Area	2,470 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	17,816 sqft (0.409 acres)
Lot Dimensions	155 ft deep x 115 ft wide
Garage Type	Attached
Garage Area	572 sqft
Pool Area	420 sqft
Porch	Finished/Open Porch
Porch Area	502 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	424 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 7 CHRISTOPHER COVE UNIT 1 AS REC OR 4566 PG 1178
Legal Range	26E
Legal Township	05S
Legal Section	37
Legal Subdivision	CHRISTOPHER COVE UNIT 1
Legal Phase	ER
Legal Lot Number	7
Legal Unit	1AS
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 3, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1348 BEACH BLVD, 51177, JACKSONVILLE BEACH, FL 32240-7751
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2022	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 2, 2019	Warranty Deed, Transfer · FHA Mortgage SWBC MORTGAGE CORP
Oct 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Aug 4, 2017	Warranty Deed, Transfer NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2022 · Amount on Record
Deed Sale	Feb 1, 2022 · Amount on Record
Prior Sale	Dec 2, 2019 · Amount on Record
Deed Document Number	20227243
Deed Book / Page	4566 / 1178
Prior Transfer Date	Jan 3, 2013
Prior Transfer Doc	0034890920
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Feb 1, 2022
Property Address	424 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005
Document Number	0045661178
Book / Page	4566 / 1178
Map Reference	MB 27 PG 63-65
Instrument Date	Jan 25, 2022
Instrument	2022007243
Transaction Type	Transfer
Record Updated	Feb 15, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1348 BEACH BLVD # 51177, 51177, JACKSONVILLE, FL 32250-3447

Mortgage

Document Number	0045661180
Date	Feb 1, 2022
Instrument	4566/1180

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Dec 2, 2019
Property Address	424 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005
Document Number	0042551172
Book / Page	4255 / 1172
Map Reference	MB 27 PG 63
Instrument Date	Nov 20, 2019
Instrument	2019063482
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,688.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	550 CINNAMON DR, 550, SATELLITE BEACH, FL 32937-3127

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005

Mortgage

Document Number	0042551174
Date	Dec 2, 2019
Instrument	4255/1174

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	424 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005
Document Number	0041380198
Instrument Date	Oct 25, 2018
Transaction Type	Mortgage
Record Updated	Nov 12, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	424 RIVER BIRCH LN FLEMING ISLAND FL 320035005, FLEMING ISLAND, FL 32003-5005

Mortgage

Document Number	0041380198
Date	Nov 5, 2018
Book Page	004138/000198
Instrument	57791

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 4, 2033

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Aug 4, 2017
Property Address	424 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005
Document Number	0040000047
Book / Page	004000 / 000047
Instrument Date	Jul 28, 2017
Instrument	39891
Transaction Type	Transfer
Record Updated	Sep 15, 2017
Title Company	GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	424 RIVER BIRCH LN FLEMING ISLAND FL 320035005, FLEMING ISLAND, FL 32003-5005

Mortgage

Document Number	40000049
Date	Aug 4, 2017
Book Page	004000/000049
Instrument	39892

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 2047

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	$8,412.00 (+5.48%)	$551,530 (+5.98%) Land $70,000 Building $481,530	$551,530 (+5.98%) Land $70,000 Building $481,530
2024	$7,975.00 (-3.04%)
2023	$8,225.00 (+28.16%)	$520,406 (+16.52%) Land $70,000 Building $450,406	$520,406 (+16.52%) Land $70,000 Building $450,406
2022	$6,418.00	$446,618 Land $70,000 Building $376,618	$446,618 Land $70,000 Building $376,618

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 500 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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