Clay County property record for 4860 Raggedy Point Rd, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,585 sqft · built 1971 |
| Lot Size | 1.08 acres (47,045 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Feb 2022) |
| Tax Bill | $3,472 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Feb 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-04-26-013120-001-00 |
| Primary APN | 33-04-26-013120-001-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,585 sqft Living Area |
| Gross Area | 2,103 sqft |
| 1st Floor Area | 1,585 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 47,045 sqft (1.08 acres) |
| Garage Type | Attached |
| Garage Area | 518 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 68 sqft |
| Patio Area | 238 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4860 RAGGEDY POINT RD |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-7848 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF BLK 2 O.P. ACRES AS REC OR 4572 PG 1389 |
| Legal Range | 26E |
| Legal Township | 04S |
| Legal Section | 33 |
| Legal Subdivision | O.P. ACRES |
| Legal Block | 2 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 30701 |
4860 Raggedy Point Rd is owned and occupied by an individual who bought it in February 2022.
Source: Clay County records, as of May 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 33 CHAMPIONS RUN, SAN ANTONIO, TX 78258-7720 |
| 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 |
|---|---|
| Apr 16, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Feb 16, 2022 | Warranty Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 16, 2022 · Amount on File |
| Deed Sale | Feb 16, 2022 · Amount on File |
| Prior Sale | Jan 19, 2006 · Amount on File |
| Deed Document Number | 202210720 |
| Deed Book / Page | 4572 / 1389 |
| Prior Transfer Date | Oct 21, 2005 |
| Prior Transfer Doc | 0000079155 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Apr 16, 2026 |
| Property Address | 4860 RAGGEDY POINT RD, FLEMING ISLAND, FL 32003-7848 |
| Document Number | 0000018228 |
| Book / Page | 5035 / 1179 |
| Instrument Date | Mar 22, 2026 |
| Instrument | 202618228 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4860 RAGGEDY POINT RD, FLEMING ISLAND, FL 32003-7848 |
| Document Number | 0000018228, |
|---|---|
| Date | Apr 16, 2026 |
| Book Page | 5035/1179 |
| Instrument | 202618228 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Feb 16, 2022 |
| Property Address | 4860 RAGGEDY POINT RD, FLEMING ISLAND, FL 32003-7848 |
| Document Number | 0045721389 |
| Book / Page | 4572 / 1389 |
| Map Reference | MB 4 PG 69&70 |
| Instrument Date | Feb 8, 2022 |
| Instrument | 2022010720 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2022 |
| Title Company | US PATRIOT TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7856 S WILLOWCREST CIR, 7856, COTTONWOOD HEIGHTS, UT 84121-5721 |
| Name | Verified Name |
|---|---|
| Address | 4860 RAGGEDY POINT RD, FLEMING ISLAND, FL 32003-7848 |
| Document Number | 0045721394 |
|---|---|
| Date | Feb 16, 2022 |
| Instrument | 4572/1394 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
The 2025 property tax bill for 4860 Raggedy Point Rd was $3,472 with a homeowner's exemption, up 4.8% from the year before.
Source: Clay County assessment roll, as of December 3, 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 | $3,472.00 (+4.83%) Homeowner's exemption | $267,810 | $304,586 Land $162,000 Building $142,586 |
| 2024 | $3,312.00 (-6.99%) | ||
| 2023 | $3,561.00 (+9.5%) Homeowner's exemption | $252,683 (+15.49%) Land $113,400 Building $139,283 | $252,683 (+15.49%) Land $113,400 Building $139,283 |
| 2022 | $3,252.00 Homeowner's exemption | $218,795 Land $97,200 Building $121,595 | $218,795 Land $97,200 Building $121,595 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4860 Raggedy Point Rd in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 2005.
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 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 4860 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 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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