Clay County property record for 504 Cozybrook Ln, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,648 sqft · built 1989 |
| Lot Size | 0.414 acres (18,033 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $160,000 (Dec 2013) |
| Tax Bill | $1,695 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Nov 2019 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 04-05-26-014173-001-76 |
| Primary APN | 04-05-26-014173-001-76 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,648 sqft Living Area |
| Gross Area | 2,110 sqft |
| 1st Floor Area | 1,648 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 18,033 sqft (0.414 acres) |
| Lot Dimensions | 172 ft deep x 105 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 56 sqft |
| Patio Area | 120 sqft |
| Storage Building | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 504 COZYBROOK LN |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-8091 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Description | LOT 74 FLEMINGBROOK UNIT 1 AS REC OR 3606 PG 2150 |
| Legal Range | 26E |
| Legal Township | 05S |
| Legal Section | 04 |
| Legal Subdivision | FLEMINGBROOK UNIT 1 |
| Legal Lot Number | 74 |
| Legal Unit | 1 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 30701 |
504 Cozybrook Ln is owned and occupied by two individuals who bought it in December 2013.
Source: Clay County records, as of December 3, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 504 COZYBROOK LN, FLEMING ISLAND, FL 32003-8091 |
| 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 |
|---|---|
| Jan 5, 2021 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Nov 14, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 31, 2013 · Amount on File |
| Deed Sale | Dec 31, 2013 · Amount on File |
| Deed Document Number | 201374110 |
| Deed Book / Page | 3606 / 2150 |
| Prior Transfer Date | Apr 1, 2009 |
| Prior Transfer Doc | 0031020229 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 504 COZYBROOK LN, FLEMING ISLAND, FL 32003-8091 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TITLE-OR, FIDELITY NATIONAL TTL OF OR |
| Name | Verified Name |
|---|---|
| Address | 504 COZYBROOK LN, FLEMING ISLAND, FL 32003-8091 |
| Document Number | 0043980805 |
|---|---|
| Date | Jan 5, 2021 |
| Book Page | 4398/805 |
| Instrument | 2021000597 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 504 COZYBROOK LN, FLEMING ISLAND, FL 32003-8091 |
| Document Number | 0042690676 |
| Instrument Date | Nov 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2020 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 504 COZYBROOK LN FLEMING ISLAND FL 320038091, FLEMING ISLAND, FL 32003-8091 |
| Document Number | 0042690676 |
|---|---|
| Date | Jan 14, 2020 |
| Book Page | 004269/000676 |
| Instrument | 2288 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 468 Months |
| Due | Jan 13, 2059 |
The 2025 property tax bill for 504 Cozybrook Ln was $1,695 with a homeowner's exemption, up 5.1% 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 | $1,695.00 (+5.15%) Homeowner's exemption | $151,280 | $278,206 Land $50,000 Building $228,206 |
| 2024 | $1,612.00 (-14.8%) | ||
| 2023 | $1,892.00 (+10.13%) Homeowner's exemption | $142,735 (+3%) | $270,289 (+25.2%) Land $50,000 Building $220,289 |
| 2022 | $1,718.00 Homeowner's exemption | $138,578 | $215,878 Land $40,000 Building $175,878 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 504 Cozybrook Ln in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective July 6, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 81 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 81 in force |
| Nearby Flood Claims | 47 (1992–2022) |
| Claims Outside the SFHA | 24 of 47 |
| Most Recent Claim | Nov 2022 · Hurricane Nicole |
| 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 504 Cozybrook Ln is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 199 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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