481 Millstone Dr, Orange Park, FL 32065 Property Records

Clay County property record for 481 Millstone Dr, Orange Park, FL 32065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,413 sqft · built 2004
Lot Size	0.172 acres (7,507 sqft)
Owner	Individual Name on File
Last Sale	$438,000 (Aug 2023)
Tax Bill	$4,786 (2023)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Feb 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-04-25-007868-005-68`

Property Details

APN / Parcel Number

Primary APN	`05-04-25-007868-005-68`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,413 sqft Living Area
Gross Area	2,921 sqft
1st Floor Area	1,869 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,507 sqft (0.172 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished Screened Porch
Porch Area	123 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	481 MILLSTONE DR
City	ORANGE PARK
State	FL
Zip	32065-4211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 68 HEARTHSTONE @ OAKLEAF PLANTATION AS REC OR 4743 PG 1469, 4930 PG 1723 & 4938 PG 47
Legal Range	25E
Legal Township	04S
Legal Section	05
Legal Subdivision	HEARTHSTONE
Legal Lot Number	68
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	1
Census Block	1000
Census Tract	30207

Owner

Source: Clay County records · APN 05-04-25-007868-005-68

Assessment roll updated December 3, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	481 MILLSTONE DR, ORANGE PARK, FL 32065-4211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 01, 2023	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Feb 22, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Mar 10, 2021	Deed of Trust, Mortgage · VA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Oct 21, 2019	Warranty Deed, Transfer · VA Mortgage REGIONS BANK
Mar 03, 2017	Warranty Deed, Transfer · Conventional Mortgage WATSON MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 01, 2023 · Amount on Record
Deed Sale	Aug 01, 2023 · Amount on Record
Prior Sale	Oct 21, 2019 · Amount on Record
Deed Document Number	202338379
Deed Book / Page	4743 / 1469
Last Transfer Date	Jun 04, 2025
Transfer Doc	0049380479
Record Updated	Jun 08, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Aug 01, 2023
Property Address	481 MILLSTONE DR, ORANGE PARK, FL 32065-4211
Document Number	0047431469
Book / Page	4743 / 1469
Map Reference	MB 39 PG 69
Instrument Date	Jul 31, 2023
Instrument	2023038379
Transaction Type	Transfer
Record Updated	Aug 18, 2023
Title Company	ATLANTIC EAST TITLE, ATLANTIC COAST T&E

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,066.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10413 BAILEY RD, HAGERSTOWN, MD 21742-9706

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	481 MILLSTONE DR, ORANGE PARK, FL 32065-4211

Mortgage

Document Number	0047431471
Date	Aug 01, 2023
Instrument	4743/1471

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2053

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	481 MILLSTONE DR, ORANGE PARK, FL 32065-4211
Transaction Type	Mortgage
Record Updated	Mar 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 MILLSTONE DR, ORANGE PARK, FL 32065-4211

Mortgage

Document Number	0046910059
Date	Feb 22, 2023
Book Page	4691/59
Instrument	2023007680

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 01, 2043

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	481 MILLSTONE DR, ORANGE PARK, FL 32065-4211
Transaction Type	Mortgage
Record Updated	May 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 MILLSTONE DR, ORANGE PARK, FL 32065-4211

Mortgage

Document Number	0044270784
Date	Mar 10, 2021
Book Page	4427/784
Instrument	2021014832

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Oct 21, 2019
Property Address	481 MILLSTONE DR, ORANGE PARK, FL 32065-4211
Document Number	0042430432
Book / Page	4243 / 0432
Map Reference	MB 39 PG 69-77
Instrument Date	Sep 30, 2019
Instrument	2019056087
Transaction Type	Transfer
Record Updated	May 02, 2022
Title Company	GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,876.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	481 MILLSTONE DR, 481, ORANGE PARK, FL 32065-4211

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	481 MILLSTONE DR, ORANGE PARK, FL 32065-4211

Mortgage

Document Number	0004243434
Date	Oct 21, 2019
Instrument	4243/434

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2049

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Mar 03, 2017
Property Address	481 MILLSTONE DR, ORANGE PARK, FL 32065-4211
Document Number	0039491258
Book / Page	3949 / 1258
Map Reference	MB39 PG69-77
Instrument Date	Feb 21, 2017
Instrument	2017010905
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	KENDALL TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27 LIGHTNING LN, 27, KENT, OH 44240-8201

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 MILLSTONE DR, ORANGE PARK, FL 32065-4211

Mortgage

Document Number	2017010906
Date	Mar 03, 2017
Instrument	2017010906

Lender

Name	WATSON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2047

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated December 3, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Clay County
Unified School District	Clay County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$320,126 (+47.79%) Land $60,000 Building $260,126	$320,126 (-2.86%) Land $60,000 Building $260,126
2023	$4,786.00 (+4.43%) Homeowner's exemption	$216,607 (+3%)	$329,561 (+23.35%) Land $60,000 Building $269,561
2022	$4,583.00 Homeowner's exemption	$210,299	$267,176 Land $40,000 Building $227,176

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 6, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	16 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

Based on FCC filings for 429 locations within half a mile of this property.

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