Clay County property record for 4653 Raggedy Point Rd, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,395 sqft · built 1973 |
| Lot Size | 0.896 acres (39,073 sqft) |
| Owner | Individual Name on File |
| Last Sale | $450,000 (May 2020) |
| Tax Bill | $4,573 (2025) |
| Deeds & Mortgages | Dec 2022 Second Mortgage May 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 27-04-26-013110-001-01 |
| Primary APN | 27-04-26-013110-001-01 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,395 sqft Heated Area |
| Gross Area | 4,327 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 39,073 sqft (0.896 acres) |
| Lot Dimensions | 150 ft deep x 144 ft wide |
| Garage Area | 624 sqft |
| Pool Area | 595 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 308 sqft |
| Patio Area | 232 sqft |
| Balcony | Balcony |
| Balcony Area | 232 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 4653 RAGGEDY POINT RD |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-7843 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF LOTS 14 & 15 BLK 1 ORANGE PARK ACRES REC O R 4307 PG 465 |
| Legal Range | 26 |
| Legal Township | 04 |
| Legal Section | 27 |
| Legal Subdivision | RAGGEDY POINT ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 14,15 15 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 30701 |
4653 Raggedy Point Rd is owned and occupied by an individual who bought it in May 2020.
Source: Clay County records, as of December 18, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 4653 RAGGEDY POINT RD, FLEMING ISLAND, FL 32003-7843 |
| 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.
| Date | Document |
|---|---|
| Dec 20, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU |
| May 13, 2020 | Warranty Deed, Transfer · VA Mortgage FREEDOM MTG |
| Sep 11, 2019 | Trustee's Deed, Foreclosure NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 13, 2020 · Amount on File |
| Deed Sale | May 13, 2020 · Amount on File |
| Deed Document Number | 2020023504 |
| Deed Book / Page | 4307 / 465 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 4653 RAGGEDY POINT RD, FLEMING ISLAND, FL 32003-7843 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4653 RAGGEDY POINT RD, FLEMING ISLAND, FL 32003-7843 |
| Document Number | 0046760456 |
|---|---|
| Date | Dec 20, 2022 |
| Book Page | 4676/456 |
| Instrument | 2022073120 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | May 13, 2020 |
| Property Address | 4653 RAGGEDY POINT RD, FLEMING ISLAND, FL 32003-7843 |
| Document Number | 0043070465 |
| Book / Page | 004307 / 000465 |
| Instrument Date | May 12, 2020 |
| Instrument | 23504 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2020 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,150.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4653 RAGGEDY POINT RD FLEMING ISLAND FL 320037843, FLEMING ISLAND, FL 32003-7843 |
| Document Number | 43070467 |
|---|---|
| Date | May 13, 2020 |
| Book Page | 004307/000467 |
| Instrument | 23505 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 12, 2050 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Sep 11, 2019 |
| Property Address | 4653 RAGGEDY POINT RD, FLEMING ISLAND, FL 32003-7843 |
| Document Number | 0042301080 |
| Book / Page | 004230 / 001080 |
| Instrument Date | Sep 9, 2019 |
| Instrument | 48913 |
| Transaction Type | Foreclosure |
| Record Updated | Oct 17, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $526.40 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2247 AARON DR GREEN COVE SPRINGS FL 320438219, GREEN COVE SPRINGS, FL 32043-8219 |
The 2025 property tax bill for 4653 Raggedy Point Rd was $4,573 with exemptions applied.
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 | $4,573.00 Homeowner's exemption Veteran's exemption | $397,108 | $640,135 Land $120,000 Building $520,135 |
| 2023 | $5,414.00 (+5.23%) Homeowner's exemption | $374,677 (+3%) | $620,488 (+15.12%) Land $120,000 Building $500,488 |
| 2022 | $5,145.00 Homeowner's exemption | $363,765 | $539,004 Land $100,000 Building $439,004 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4653 Raggedy Point Rd in Zone X, an area of moderate flood risk, within 100 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 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 4653 Raggedy Point Rd is moderate, ranking above 43% of the US, with a 0.06% 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 | 0.06% 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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