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

Clay County property record for 428 River Birch Ln, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 3,043 sqft · built 1998
Lot Size	0.409 acres (17,816 sqft)
Owner	2 Individual Names on File
Last Sale	$520,000 (Mar 2022)
Tax Bill	$7,164 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`37-05-26-014608-002-08`

Property Details

APN / Parcel Number

Primary APN	`37-05-26-014608-002-08`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,043 sqft Living Area
Gross Area	3,825 sqft
1st Floor Area	2,802 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
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	782 sqft
Porch	Finished/Open Porch
Porch Area	329 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	428 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 8 CHRISTOPHER COVE UNIT 1 AS REC OR 4825 PG 1350
Legal Range	26E
Legal Township	05S
Legal Section	37
Legal Subdivision	CHRISTOPHER COVE UNIT 1
Legal Phase	ER
Legal Lot Number	8
Legal Unit	1AS
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2001
Census Tract	30701

Owner

428 River Birch Ln is owned and occupied by two individuals who bought it in March 2022.

Source: Clay County records, as of December 3, 2025

Owner of Record	2 Individual Names on File
Mailing Address	428 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Mar 2, 2022	Deed, Transfer · Conventional Mortgage PNC BANK NA
Mar 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA
May 10, 2021	Intrafamily Transfer, Transfer ATTORNEY
Jun 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CU/FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2022 · Amount on File
Deed Sale	Mar 2, 2022 · Amount on File
Prior Sale	Nov 12, 2013 · Amount on File
Deed Document Number	202213984
Deed Book / Page	4578 / 947
Prior Transfer Date	Feb 17, 2021
Prior Transfer Doc	0044540222
Record Updated	Jun 8, 2026

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY FL
Recording Date	Mar 2, 2022
Property Address	428 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005
Document Number	0045780947
Book / Page	4578 / 947
Map Reference	MB 27 PG 63-65
Instrument Date	Feb 22, 2022
Instrument	2022013984
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	LANDMARK TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1813 LAKESHORE DR N, 1813, FLEMING ISLAND, FL 32003-7703

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005

Mortgage

Document Number	0004578949
Date	Mar 2, 2022
Instrument	4578/949

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	428 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 RIVER BIRCH LN, ORANGE PARK, FL 32003-5005

Mortgage

Document Number	0044330458
Date	Mar 23, 2021
Book Page	4433/458
Instrument	2021017866

Lender

Name	COMMUNITY FIRST CREDIT UNION OF FLORIDA
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY FL
Recording Date	May 10, 2021
Property Address	428 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005
Document Number	0044540222
Book / Page	4454 / 222
Map Reference	MB 27 PG 63-65
Instrument Date	Feb 17, 2021
Instrument	2021028700
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	428 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	428 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005
Document Number	0040990783
Instrument Date	Jun 22, 2018
Transaction Type	Mortgage
Record Updated	Jul 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	428 RIVER BIRCH LN FLEMING ISLAND FL 320035005, FLEMING ISLAND, FL 32003-5005

Mortgage

Document Number	0040990783
Date	Jul 2, 2018
Book Page	004099/000783
Instrument	34089

Lender

Name	COMMUNITY FIRST CU/FL
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 428 River Birch Ln was $7,164, up 20.7% from the year before.

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	$7,164.00 (+20.69%)	$509,865 Land $70,000 Building $439,865	$509,865 Land $70,000 Building $439,865
2024	$5,936.00 (-3.29%)
2023	$6,138.00 (+24.05%) Homeowner's exemption	$422,364 (+20.4%)	$520,320 (+15%) Land $70,000 Building $450,320
2022	$4,948.00 Homeowner's exemption	$350,803	$452,467 Land $70,000 Building $382,467

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

Flood

FEMA maps place 428 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 428 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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