488 Islamorada Dr S, Macclenny, FL 32063 Property Records

Baker County property record for 488 Islamorada Dr S, Macclenny, FL 32063

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,200 sqft · built 2006
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$146,000 (Dec 2014)
Tax Bill	$2,556 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Feb 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28-2S-22-0209-0000-0080`

Property Details

APN / Parcel Number

Primary APN	`28-2S-22-0209-0000-0080`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,200 sqft Living Area
1st Floor Area	1,400 sqft
Upper Floors Area	1,800 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Garage Type	Finished
Garage Area	400 sqft
Porch	Open Porch
Porch Area	420 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	488 ISLAMORADA DR S
City	MACCLENNY
State	FL
Zip	32063-4220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG LOT 8 CYPRESS POINTE UNIT 1 PB 3 PGS 90-92 DESC IN OR 2014-6433 POM 141B RESTRICTIONS IN OR 2005-5095
Legal Range	22E
Legal Township	02S
Legal Section	28
Legal Subdivision	CYPRESS POINTE
Legal Lot Number	8
Legal Unit	1
Jurisdiction	BAKER FL
Township / Civil Division	MACCLENNY
Census Block Group	2
Census Block	2024
Census Tract	40101

Owner

488 Islamorada Dr S is owned and occupied by an individual who bought it in December 2014.

Source: Baker County records, as of December 10, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	488 ISLAMORADA DR S, MACCLENNY, FL 32063-4220
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage GATEWAY CAPITAL MORTGAGE INC
Feb 11, 2019	Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC
Feb 11, 2020	Deed of Trust, Mortgage · Line of Credit LOWER
Feb 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOWER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2014 · Amount on File
Deed Sale	Dec 3, 2014 · Amount on File
Prior Sale	Feb 25, 2014
Deed Document Number	201400006433
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAKER FL
Property Address	488 ISLAMORADA DR S, MACCLENNY, FL 32063-4220
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	AMERICAS CHOICE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	488 ISLAMORADA DR S, MACCLENNY, FL 32063-4220

Mortgage

Document Number	0000004869
Date	Jul 21, 2022
Instrument	202200004869

Lender

Name	GATEWAY CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	SAINT PETERSBURG, FL 33701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAKER FL
Property Address	488 ISLAMORADA DR S, MACCLENNY, FL 32063-4220
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000983
Date	Feb 11, 2019
Instrument	201900000983

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAKER FL
Property Address	488 ISLAMORADA DR S, MACCLENNY, FL 32063-4220
Document Number	0000001161
Instrument Date	Feb 11, 2020
Transaction Type	Mortgage
Record Updated	Apr 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	488 ISLAMORADA DR S MACCLENNY FL 320634220, MACCLENNY, FL 32063-4220

Mortgage

Document Number	0000001161
Date	Feb 19, 2020
Instrument	1161

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 18, 2040

Interest

Rate Type	Adjustable Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAKER FL
Property Address	488 ISLAMORADA DR S, MACCLENNY, FL 32063-4220
Document Number	0000001160
Instrument Date	Feb 11, 2020
Transaction Type	Mortgage
Record Updated	Apr 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	488 ISLAMORADA DR S MACCLENNY FL 320634220, MACCLENNY, FL 32063-4220

Mortgage

Document Number	0000001160
Date	Feb 19, 2020
Instrument	1160

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 18, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 488 Islamorada Dr S was $2,556 with a homeowner's exemption, up 3.3% from the year before.

Source: Baker County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Baker County
Municipality	Macclenny City
Unified School District	Baker County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,556.00 (+3.31%) Homeowner's exemption	$190,993 (+2.9%)	$314,984 (+9.05%) Land $35,000 Building $279,984
2024	$2,474.00 (+3%) Homeowner's exemption	$185,610 (+3%)	$288,843 (+0.78%) Land $35,000 Building $253,843
2023	$2,402.00 (+3.13%) Homeowner's exemption	$180,204 (+3%)	$286,615 (+7.17%) Land $35,000 Building $251,615
2022	$2,329.00 Homeowner's exemption	$174,955	$267,448 Land $35,000 Building $232,448

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

Flood

FEMA maps place 488 Islamorada Dr S in Zone X, an area of minimal flood risk, though there have been 31 flood claims nearby since 1984.

Source: FEMA National Flood Hazard Layer, effective July 18, 2025 · 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 14 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	31 (1984–2024)
Claims Outside the SFHA	7 of 31
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Irma, Sep 2017 · 4 claims Tropical Storm Debby, Jun 2012 · 5 claims Hurricane Frances, Sep 2004 · 5 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 488 Islamorada Dr S is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF MACCLENNY serves 6,500 people · EPA ID FL2020204
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Northeast Florida Telephone Company, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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