Clay County property record for 4580 Raggedy Point Rd, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,108 sqft · built 1974 |
| Lot Size | 0.517 acres (22,564 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $164,000 (Oct 2004) |
| Tax Bill | $2,160 (2025) |
| Deeds & Mortgages | Nov 2020 Line of Credit Aug 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-04-26-013117-000-00 |
| Primary APN | 33-04-26-013117-000-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,108 sqft Heated Area |
| Gross Area | 2,908 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 22,564 sqft (0.517 acres) |
| Lot Dimensions | 200 ft deep x 113 ft wide |
| Garage Area | 480 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 320 sqft |
| Fence | Fence |
| Storage Building | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 4580 RAGGEDY POINT RD |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-7861 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT BLK 2 O.P. ACS AS REC O R 2438 PG 520 |
| Legal Range | 26 |
| Legal Township | 04 |
| Legal Section | 33 |
| Legal Subdivision | ORANGE PARK ACRES |
| Legal Block | 2 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 30701 |
The current owner of 4580 Raggedy Point Rd bought it in October 2004.
Source: Clay County records, as of December 18, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 4580 RAGGEDY POINT RD, FLEMING ISLAND, FL 32003-7861 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 20, 2020 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Aug 3, 2019 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 2004 · Amount on File |
| Deed Sale | Oct 6, 2004 · Amount on File |
| Deed Document Number | 2004078318 |
| Deed Book / Page | 2438 / 0520 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 4580 RAGGEDY POINT RD, FLEMING ISLAND, FL 32003-7861 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4580 RAGGEDY POINT RD, FLEMING ISLAND, FL 32003-7861 |
| Document Number | 0043791590 |
|---|---|
| Date | Nov 20, 2020 |
| Book Page | 4379/1590 |
| Instrument | 2020061112 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Dec 1, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 4580 RAGGEDY POINT RD, FLEMING ISLAND, FL 32003-7861 |
| Document Number | 0042201639 |
| Instrument Date | Aug 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4580 RAGGEDY POINT RD FLEMING ISLAND FL 320037861, FLEMING ISLAND, FL 32003-7861 |
| Document Number | 0042201639 |
|---|---|
| Date | Aug 12, 2019 |
| Book Page | 004220/001639 |
| Instrument | 42939 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32210 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 11, 2029 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 4580 Raggedy Point Rd was $2,160 with a homeowner's exemption.
Source: Clay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,160.00 Homeowner's exemption | $181,770 | $334,097 Land $120,000 Building $214,097 |
| 2023 | $2,329.00 (+8.68%) Homeowner's exemption | $171,503 (+3%) | $328,501 (+25.47%) Land $120,000 Building $208,501 |
| 2022 | $2,143.00 Homeowner's exemption | $166,508 | $261,818 Land $80,000 Building $181,818 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4580 Raggedy Point Rd 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 132 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 132 in force |
| Nearby Flood Claims | 26 (2005–2020) |
| Claims Outside the SFHA | 10 of 26 |
| Most Recent Claim | Jul 2020 · other causes |
| Claims by Event |
|
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 risk around 4580 Raggedy Point Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 204 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 Fixed Wireless | 100 / 20 |
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