491 Islamorada Dr S, Macclenny, FL 32063 Property Records

Baker County property record for 491 Islamorada Dr S, Macclenny, FL 32063

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,320 sqft · built 2006
Lot Size	0.179 acres (7,800 sqft)
Owner	Individual Name on Record
Last Sale	$202,200 (Sep 2006)
Tax Bill	$1,798 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-2S-22-0209-0000-0600`

Property Details

APN / Parcel Number

Primary APN	`28-2S-22-0209-0000-0600`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,320 sqft Living Area
1st Floor Area	1,120 sqft
Upper Floors Area	1,200 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Material	Composition Shingle
Lot Area	7,800 sqft (0.179 acres)
Garage Type	Finished
Garage Area	441 sqft
Porch	Open Porch
Porch Area	201 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	491 ISLAMORADA DR S
City	MACCLENNY
State	FL
Zip	32063-4222
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG LOT 60 CYPRESS POINTE UNIT 1 PB 3 PGS 90-92 DESC IN OR 2006-7448 POM 141B RESTRICTIONS IN OR 2005-5095
Legal Range	22E
Legal Township	02S
Legal Section	28
Legal Subdivision	CYPRESS POINTE
Legal Lot Number	60
Legal Unit	1
Jurisdiction	BAKER FL
Township / Civil Division	MACCLENNY
Census Block Group	2
Census Block	2024
Census Tract	40101

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	491 ISLAMORADA DR S, MACCLENNY, FL 32063-4222
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2019	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Jan 24, 2018	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2006 · Amount on Record
Deed Sale	Sep 13, 2006 · Amount on Record
Deed Document Number	200600007448
Record Updated	Jun 8, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAKER FL
Property Address	491 ISLAMORADA DR S, MACCLENNY, FL 32063-4222
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006032
Date	Aug 26, 2019
Instrument	201900006032

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAKER FL
Property Address	491 ISLAMORADA DR S, MACCLENNY, FL 32063-4222
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000510
Date	Jan 24, 2018
Instrument	201800000510

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	277 Months
Due	Feb 1, 2041

Tax Assessment & Valuation

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	$1,798.00 (-1.21%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$152,014 (+2.9%)	$244,124 (+6.85%) Land $35,000 Building $209,124
2024	$1,820.00 (+3.29%) Homeowner's exemption	$147,730 (+3%)	$228,479 (+0.21%) Land $35,000 Building $193,479
2023	$1,762.00 (+4.01%) Homeowner's exemption	$143,427 (+3.36%)	$228,007 (+5.83%) Land $35,000 Building $193,007
2022	$1,694.00 Homeowner's exemption	$138,770	$215,453 Land $35,000 Building $180,453

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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