434 Islamorada Dr S, Macclenny, FL 32063 Property Records

Baker County property record for 434 Islamorada Dr S, Macclenny, FL 32063

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,120 sqft · built 2006
Lot Size	0.194 acres (8,468 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (May 2021)
Tax Bill	$4,600 (2025)
Deeds & Mortgages	May 2021 Sale Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`28-2S-22-0209-0000-0220`

Property Details

APN / Parcel Number

Primary APN	`28-2S-22-0209-0000-0220`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,120 sqft Living Area
1st Floor Area	1,360 sqft
Upper Floors Area	1,760 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Material	Composition Shingle
Lot Area	8,468 sqft (0.194 acres)
Garage Type	Finished
Garage Area	400 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	416 sqft
Fence	Fence
Utility Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	434 ISLAMORADA DR S
City	MACCLENNY
State	FL
Zip	32063-4220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG LOT 22 CYPRESS POINTE UNIT 1 PB 3 PGS 90-92 DESC IN OR 2021-3545 POM 141B RESTRICTIONS IN OR 2005-5095
Legal Range	22E
Legal Township	02S
Legal Section	28
Legal Subdivision	CYPRESS POINTE
Legal Lot Number	22
Legal Unit	1
Jurisdiction	BAKER FL
Township / Civil Division	MACCLENNY
Census Block Group	2
Census Block	2024
Census Tract	40101

Owner

434 Islamorada Dr S is owned and occupied by an individual who bought it in May 2021.

Source: Baker County records, as of December 10, 2025

Owner of Record	Individual Name on File
Mailing Address	434 ISLAMORADA DR S, MACCLENNY, FL 32063-4220
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

Date	Document
May 17, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Dec 5, 2019	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS
Jul 10, 2017	Deed of Trust, Mortgage · Line of Credit VYSTAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2021 · Amount on File
Deed Sale	May 17, 2021 · Amount on File
Prior Sale	Dec 5, 2019 · Amount on File
Deed Document Number	202100003545
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAKER FL
Recording Date	May 17, 2021
Property Address	434 ISLAMORADA DR S, MACCLENNY, FL 32063-4220
Document Number	0000003545
Map Reference	MB 3 PG 90-92
Instrument Date	Apr 27, 2021
Instrument	202100003545
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$2,205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2328 JAMESON LN, MCKINNEY, TX 75070-5359

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 ISLAMORADA DR S, MACCLENNY, FL 32063-4220

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAKER FL
Recording Date	Dec 5, 2019
Property Address	434 ISLAMORADA DR S, MACCLENNY, FL 32063-4220
Document Number	0000008531
Instrument Date	Dec 4, 2019
Instrument	8531
Transaction Type	Transfer
Record Updated	Jan 24, 2020
Title Company	BAKER TITLE AND ESCROW COMPANY INC, BAKER TITLE & ESCROW CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1112 APPLE BLOSSOM TRL W JACKSONVILLE FL 32218, JACKSONVILLE, FL 32218

Mortgage

Document Number	8532
Date	Dec 5, 2019
Instrument	8532

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 4, 2049

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAKER FL
Property Address	434 ISLAMORADA DR S, MACCLENNY, FL 32063-4220
Document Number	0000004007
Instrument Date	Jul 10, 2017
Transaction Type	Mortgage
Record Updated	Nov 2, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	434 ISLAMORADA DR S MACCLENNY FL 320634220, MACCLENNY, FL 32063-4220

Mortgage

Document Number	0000004007
Date	Jul 18, 2017
Instrument	4007

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jul 17, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 434 Islamorada Dr S was $4,600 with a homeowner's exemption, up 3.1% from the year before.

Source: Baker County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Baker County
Municipality	Macclenny City
Unified School District	Baker County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,600.00 (+3.09%) Homeowner's exemption	$309,475 (+2.9%)	$322,774 (+7.26%) Land $35,000 Building $287,774
2024	$4,462.00 (+2.6%) Homeowner's exemption	$300,753 (+3%)	$300,922 (+0.22%) Land $35,000 Building $265,922
2023	$4,349.00 (+2.76%) Homeowner's exemption	$291,993 (+3%)	$300,248 (+5.91%) Land $35,000 Building $265,248
2022	$4,232.00 Homeowner's exemption	$283,488 Land $35,000 Building $248,488	$283,488 Land $35,000 Building $248,488

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

Flood

FEMA maps place 434 Islamorada Dr S in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 14 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	31 (1984–2024)
Claims Outside the SFHA	7 of 31
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Irma, Sep 2017 · 4 claims Tropical Storm Debby, Jun 2012 · 5 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 434 Islamorada Dr S is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF MACCLENNY serves 6,500 people · EPA ID FL2020204
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 242 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Northeast Florida Telephone Company.

Cell Coverage

5G (outdoors only) and 4G LTE

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