450 Baybrook Dr, Fleming Island, FL 32003 Property Records

Clay County property record for 450 Baybrook Dr, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,035 sqft · built 1989
Lot Size	0.28 acres (12,240 sqft)
Owner	2 Individual Names on File
Last Sale	$115,000 (Jun 1997)
Tax Bill	$1,964 (2025)
Deeds & Mortgages	Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04-05-26-014173-001-69`

Property Details

APN / Parcel Number

Primary APN	`04-05-26-014173-001-69`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,035 sqft Heated Area
Gross Area	2,907 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,240 sqft (0.28 acres)
Lot Dimensions	98 ft deep x 125 ft wide
Garage Area	420 sqft
Porch	Porch
Porch Area	176 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	450 BAYBROOK DR
City	FLEMING ISLAND
State	FL
Zip	32003-8046
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Description	LOT 67 FLEMINGBROOK UNIT 1 ASREC O R 1668 PG 1051
Legal Range	26
Legal Township	05
Legal Section	04
Legal Subdivision	FLEMINGBROOK
Legal Lot Number	67
Legal Unit	1
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	3
Census Block	3009
Census Tract	30701

Owner

450 Baybrook Dr is owned and occupied by two individuals who bought it in June 1997.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	450 BAYBROOK DR, FLEMING ISLAND, FL 32003-8046
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	2 Names on Deed
Last Sale	Jun 13, 1997 · Amount on File
Deed Sale	Jun 13, 1997 · Amount on File
Deed Document Number	0016681051
Record Updated	Jun 8, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	450 BAYBROOK DR, FLEMING ISLAND, FL 32003-8046
Document Number	0040031466
Book / Page	004003 / 001466
Instrument Date	Jul 17, 2017
Transaction Type	Mortgage
Record Updated	Sep 11, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	450 BAYBROOK DR FLEMING ISLAND FL 320038046, FLEMING ISLAND, FL 32003-8046

Mortgage

Document Number	0040031466
Date	Aug 17, 2017
Book Page	004003/001466
Instrument	42137

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	Aug 16, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 450 Baybrook Dr was $1,964 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	$1,964.00 Homeowner's exemption	$168,977	$330,602 Land $50,000 Building $280,602
2023	$2,145.00 (+9.16%) Homeowner's exemption	$159,433 (+3%)	$320,763 (+25.27%) Land $50,000 Building $270,763
2022	$1,965.00 Homeowner's exemption	$154,790	$256,058 Land $40,000 Building $216,058

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

Flood

FEMA maps place 450 Baybrook 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 81 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	81 in force
Nearby Flood Claims	47 (1992–2022)
Claims Outside the SFHA	24 of 47
Most Recent Claim	Nov 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

Wildfire risk around 450 Baybrook Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 177 locations within half a mile, as of December 31, 2025

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