4841 Raggedy Point Rd, Fleming Island, FL 32003 Property Records

Clay County property record for 4841 Raggedy Point Rd, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,302 sqft · built 1985
Lot Size	1.93 acres (84,114 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (Jul 2026)
Tax Bill	$11,145 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-04-26-013095-000-00`

Property Details

APN / Parcel Number

Primary APN	`34-04-26-013095-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	3,302 sqft Living Area
Gross Area	3,898 sqft
1st Floor Area	3,302 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	84,114 sqft (1.93 acres)
Lot Dimensions	600 ft deep x 99 ft wide
Garage Type	Attached
Garage Area	596 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	128 sqft
Deck Area	330 sqft
Storage Building	32 sqft
Boat Access	Boat Access
Boat House	800 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4841 RAGGEDY POINT RD
City	FLEMING ISLAND
State	FL
Zip	32003-7847
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	PT OF N 100` OF TRACT A ORANGEPARK ACRES AS REC OR 2512 PG 243; 2512 PG 245; 2710 PG 111
Legal Range	26E
Legal Township	04S
Legal Section	34
Legal Subdivision	ORANGEPARK ACRES
Legal Tract	A
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	1
Census Block	1001
Census Tract	30701

Owner

4841 Raggedy Point Rd is owned and occupied by two individuals who bought it in July 2026.

Source: Clay County records, as of July 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4841 RAGGEDY POINT RD, FLEMING ISLAND, FL 32003-7847
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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	Jul 2, 2026 · Amount on File
Deed Sale	Jul 2, 2026 · Amount on File
Prior Sale	Dec 31, 2007 · Amount on File
Deed Document Number	202632782
Deed Book / Page	5062 / 1063
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jul 2, 2026
Property Address	4841 RAGGEDY POINT RD, FLEMING ISLAND, FL 32003-7847
Document Number	0000032782
Book / Page	5062 / 1063
Instrument Date	Jun 26, 2026
Instrument	202632782
Transaction Type	Transfer
Record Updated	Jul 22, 2026
Title Company	WATSON TITLE SERVICES INC, WATSON TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$777,700.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4841 RAGGEDY POINT RD, FLEMING ISLAND, FL 32003-7847
Investor	Possibly a Property Investor

Mortgage

Document Number	0000032783,
Date	Jul 2, 2026
Instrument	202632783

Lender

Name	JMAC LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 4841 Raggedy Point Rd was $11,145 with a homeowner's exemption, up 3% from the year before.

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	$11,145.00 (+3.03%) Homeowner's exemption	$770,856	$947,356 Land $666,780 Building $280,576
2024	$10,817.00 (+22.07%)
2023	$8,861.00 (+4.26%) Homeowner's exemption	$601,686 (+3%)	$821,659 (+12.88%) Land $545,010 Building $276,649
2022	$8,499.00 Homeowner's exemption	$584,162	$727,902 Land $484,125 Building $243,777

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

Flood

FEMA maps place 4841 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 AE, 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	Hurricane Irma, Sep 2017 · 21 claims Hurricane Matthew, Oct 2016 · 2 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 4841 Raggedy Point Rd is moderate, ranking above 45% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20