432 Summit Dr, Orange Park, FL 32073 Property Records

Clay County property record for 432 Summit Dr, Orange Park, FL 32073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,790 sqft · built 1999
Lot Size	0.279 acres (12,171 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Aug 2015)
Tax Bill	$1,781 (2025)
Deeds & Mortgages	May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-04-25-007865-006-18`

Property Details

APN / Parcel Number

Primary APN	`03-04-25-007865-006-18`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,790 sqft Heated Area
Gross Area	2,503 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,171 sqft (0.279 acres)
Garage Area	400 sqft
Porch	Porch
Porch Area	143 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	432 SUMMIT DR
City	ORANGE PARK
State	FL
Zip	32073-7626
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE
Legal Description	LOT 18 OLDE SUTTON FOREST AS REC O R 3777 PG 1550
Legal Range	25
Legal Township	04
Legal Section	03
Legal Subdivision	OLDE SUTTON FOREST
Legal Lot Number	18
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	3
Census Block	3000
Census Tract	30206

Owner

432 Summit Dr is owned and occupied by an individual who bought it in August 2015.

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

Owner of Record	Individual Name on File
Mailing Address	432 SUMMIT DR, ORANGE PARK, FL 32073-7626
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2015 · Amount on File
Deed Sale	Aug 14, 2015 · Amount on File
Prior Sale	Mar 5, 2015 · Amount on File
Deed Document Number	2015041879
Deed Book / Page	3777 / 1550
Record Updated	Jun 8, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	432 SUMMIT DR, ORANGE PARK, FL 32073-7626
Document Number	0039721245
Book / Page	003972 / 001245
Instrument Date	May 8, 2017
Transaction Type	Mortgage
Record Updated	Jun 2, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 SUMMIT DR ORANGE PARK FL 320737626, ORANGE PARK, FL 32073-7626

Mortgage

Document Number	0039721245
Date	May 12, 2017
Book Page	003972/001245
Instrument	24222

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 11, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 432 Summit Dr was $1,781 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	$1,781.00 Homeowner's exemption	$156,923	$308,583 Land $45,000 Building $263,583
2023	$1,973.00 (+9.79%) Homeowner's exemption	$148,060 (+3%)	$290,082 (+18.24%) Land $45,000 Building $245,082
2022	$1,797.00 Homeowner's exemption	$143,748	$245,332 Land $40,000 Building $205,332

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

Flood

FEMA maps place 432 Summit Dr 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	9 in force

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 Summit Dr 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ORANGE PARK GRID private · serves 127,904 people · EPA ID FL2100741
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 408 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20