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446 Garden View Ter, Fleming Island, FL 32003 Property Records

Clay County property record for 446 Garden View Ter, Fleming Island, FL 32003

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,364 sqft · built 1992
Lot Size0.273 acres (11,935 sqft)
OwnerIndividual Name on Record
Last Sale$86,600 (Dec 1996)
Tax Bill$2,017 (2025)
Deeds & MortgagesJul 2021 Mortgage
Aug 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN04-05-26-014173-004-58

Property Details

APN / Parcel Number

Primary APN04-05-26-014173-004-58

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories2 Stories
Building Area2,364 sqft Heated Area
Gross Area3,016 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1992
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,935 sqft (0.273 acres)
Lot Dimensions130 ft deep x 92 ft wide
Garage Area400 sqft
PorchPorch
Porch Area252 sqft
Storage Building120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address446 GARDEN VIEW TER
CityFLEMING ISLAND
StateFL
Zip32003-8303
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRB
Legal DescriptionLOT 24 HARVEST BEND UNIT 2 ASREC O R 1635 PG 1353
Legal Range26
Legal Township05
Legal Section04
Legal SubdivisionHARVEST BEND
Legal Block551
Legal Lot Number24
Legal Unit2
JurisdictionCLAY FL
Township / Civil DivisionORANGE PARK
Census Block Group3
Census Block3009
Census Tract30701

Owner

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 RecordIndividual Name on Record
Mailing Address446 GARDEN VIEW TER, FLEMING ISLAND, FL 32003-8303
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 1, 2021Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC
Aug 6, 2018Deed of Trust, Mortgage · Conventional with PMI
QUICKEN LNS

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 20, 1996 · Amount on Record
Deed SaleDec 20, 1996 · Amount on Record
Deed Document Number0016351353
Record UpdatedJun 8, 2026

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY FL
Property Address446 GARDEN VIEW TER, FLEMING ISLAND, FL 32003-8303
Transaction TypeMortgage
Record UpdatedJul 23, 2021
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0044762022
DateJul 1, 2021
Book Page4476/2022
Instrument2021040733
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2051

August 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY FL
Property Address446 GARDEN VIEW TER, FLEMING ISLAND, FL 32003-8303
Document Number0041121645
Instrument DateAug 6, 2018
Transaction TypeMortgage
Record UpdatedSep 6, 2018
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
Address446 GARDEN VIEW TER FLEMING ISLAND FL 320038303, FLEMING ISLAND, FL 32003-8303

Mortgage

Document Number0041121645
DateAug 10, 2018
Book Page004112/001645
Instrument42090
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueAug 9, 2048
Interest
Rate TypeAdjustable Rate
Rate3.99%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyClay County
Unified School DistrictClay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,017.00 (-7.9%) Homeowner's exemption Widower's exemption$177,400 (+5.99%)$383,945 (+3.16%) Land $50,000 Building $333,945
2023$2,190.00 (+5.54%) Homeowner's exemption Widower's exemption$167,380 (+3%)$372,182 (+13.24%) Land $50,000 Building $322,182
2022$2,075.00 Homeowner's exemption Widower's exemption$162,505$328,679 Land $45,000 Building $283,679

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 81 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies81 in force
Nearby Flood Claims47 (1992–2022)
Claims Outside the SFHA24 of 47
Most Recent ClaimNov 2022 · Hurricane Nicole
Claims by Event
  • Hurricane Irma, Sep 2017 · 25 claims
  • Tropical Storm Debby, Jul 2012 · 2 claims
  • Hurricane Frances, Sep 2004 · 12 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 RiskLow
lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond ember reach

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 318 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: IQ Fiber.

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