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

Clay County property record for 432 River Birch Ln, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,761 sqft · built 1995
Lot Size	0.48 acres (20,947 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Jun 2011)
Tax Bill	$4,486 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Nov 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`37-05-26-014608-002-09`

Property Details

APN / Parcel Number

Primary APN	`37-05-26-014608-002-09`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,761 sqft Heated Area
Gross Area	4,113 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,947 sqft (0.48 acres)
Garage Area	612 sqft
Porch	Porch
Porch Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	432 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 9 CHRISTOPHER COVE UNIT 1AS REC O R 3318 PG 1554
Legal Range	26
Legal Township	05
Legal Section	37
Legal Subdivision	CHRISTOPHER COVE
Legal Phase	ER
Legal Lot Number	9
Legal Unit	1AS
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2001
Census Tract	30701

Owner

432 River Birch Ln is owned and occupied by an individual who bought it in June 2011.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	432 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2021	Deed of Trust, Mortgage · Line of Credit 121 FINANCIAL CU
Nov 28, 2017	Deed of Trust, Mortgage · Line of Credit 121 FINANCIAL CU
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2011 · Amount on File
Deed Sale	Jun 29, 2011 · Amount on File
Prior Sale	Oct 18, 2000 · Amount on File
Deed Document Number	2011033109
Deed Book / Page	3318 / 1554
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	432 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005
Transaction Type	Mortgage
Record Updated	Aug 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005

Mortgage

Document Number	0044950269
Date	Aug 12, 2021
Book Page	4495/269
Instrument	2021050386

Lender

Name	121 FINANCIAL CU
Type	Credit Union
Address	JACKSONVILLE, FL 32203

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 5, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	432 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	0040330091
Date	Nov 28, 2017
Book Page	4033/0091
Instrument	2017060095

Lender

Name	121 FINANCIAL CU
Type	Credit Union
Address	JACKSONVILLE, FL 32203

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	432 RIVER BIRCH LN, FLEMING ISLAND, FL 32003-5005
Document Number	0043201774
Instrument Date	Jun 16, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	FIRST SERVICE TITLE, FIRST SERVICE TITLE/FL LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	432 RIVER BIRCH LN FLEMING ISLAND FL 320035005, FLEMING ISLAND, FL 32003-5005

Mortgage

Document Number	0043201774
Date	Jun 22, 2020
Book Page	004320/001774
Instrument	30676

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 21, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 432 River Birch Ln was $4,486 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	$4,486.00 Homeowner's exemption	$334,326	$487,748 Land $70,000 Building $417,748
2023	$4,514.00 (+5.71%) Homeowner's exemption	$315,441 (+3%)	$461,304 (+15.58%) Land $70,000 Building $391,304
2022	$4,270.00 Homeowner's exemption	$306,254	$399,112 Land $70,000 Building $329,112

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

Flood

FEMA maps place 432 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 432 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 96% of the US · lower than 96% 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.

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