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

Clay County property record for 451 Garden View Ter, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,144 sqft · built 2022
Lot Size	0.214 acres (9,321 sqft)
Owner	2 Individual Names on File
Last Sale	$535,000 (Oct 2022)
Tax Bill	$8,240 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jul 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`04-05-26-014173-004-63`

Property Details

APN / Parcel Number

Primary APN	`04-05-26-014173-004-63`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	3,144 sqft Living Area
Gross Area	3,544 sqft
1st Floor Area	1,764 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,321 sqft (0.214 acres)
Lot Dimensions	110 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	400 sqft

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Patio Area	180 sqft
Storage Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	451 GARDEN VIEW TER
City	FLEMING ISLAND
State	FL
Zip	32003-8305
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Description	LT 29 HARVEST BEND UNIT 2 AS REC OR 4657 PG 698
Legal Range	26E
Legal Township	05S
Legal Section	04
Legal Subdivision	HARVEST BEND UNIT 2
Legal Lot Number	29
Legal Unit	2
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	3
Census Block	3009
Census Tract	30701

Owner

451 Garden View Ter is owned and occupied by two individuals who bought it in October 2022.

Source: Clay County records, as of August 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	451 GARDEN VIEW TER, FLEMING ISLAND, FL 32003-8305
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Oct 12, 2022	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Jul 30, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2022 · Amount on File
Deed Sale	Oct 12, 2022 · Amount on File
Prior Sale	Jul 30, 2021 · Amount on File
Deed Document Number	202261207
Deed Book / Page	4657 / 698
Prior Transfer Date	Mar 11, 2009
Prior Transfer Doc	0030922146
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Oct 12, 2022
Property Address	451 GARDEN VIEW TER, FLEMING ISLAND, FL 32003-8305
Document Number	0046570698
Book / Page	4657 / 698
Map Reference	MB 23 PG 64-66
Instrument Date	Oct 7, 2022
Instrument	2022061207
Transaction Type	Transfer
Record Updated	Jan 9, 2024
Title Company	LANDMARK TITLE, LANDMARK TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,745.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	595 GULFSTREAM TRL S, ORANGE PARK, FL 32073-5811

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 GARDEN VIEW TER, FLEMING ISLAND, FL 32003-8305

Mortgage

Document Number	0004657700
Date	Oct 12, 2022
Instrument	4657/700

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jul 30, 2021
Property Address	451 GARDEN VIEW TER, FLEMING ISLAND, FL 32003-8305
Document Number	0044890860
Book / Page	4489 / 860
Map Reference	MB 23 PG 64-66
Instrument Date	Jul 19, 2021
Instrument	2021047272
Transaction Type	Transfer
Record Updated	Jan 9, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$567.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1823 SENTRY OAK CT, FLEMING ISLAND, FL 32003-3765

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	595 GULFSTREAM TRL S, ORANGE PARK, FL 32073-5811

Tax Assessment & Valuation

The 2025 property tax bill for 451 Garden View Ter was $8,240 with a homeowner's exemption.

Source: Clay County assessment roll, as of December 3, 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	$8,240.00 Homeowner's exemption	$580,400 Land $50,000 Building $530,400	$580,400 Land $50,000 Building $530,400
2023	$8,078.00 (+1,042.57%) Homeowner's exemption	$550,170 (+1,083.44%) Land $50,000 Building $500,170	$550,170 (+1,083.44%) Land $50,000 Building $500,170
2022	$707.00 Homeowner's exemption	$46,489 Land $45,000 Building $1,489	$46,489 Land $45,000 Building $1,489

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 451 Garden View Ter in Zone X, an area of minimal flood risk, though there have been 47 flood claims nearby since 1992.

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
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 451 Garden View Ter 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 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 318 locations within half a mile, as of December 31, 2025

Provider	Max 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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