511 Cozybrook Ln, Fleming Island, FL 32003 Property Records

Clay County property record for 511 Cozybrook Ln, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,437 sqft · built 1991
Lot Size	0.313 acres (13,677 sqft)
Owner	Individual Name on Record
Last Sale	$188,000 (Aug 2008)
Tax Bill	$1,696 (2025)
Deeds & Mortgages	Jun 2022 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-05-26-014173-001-74`

Property Details

APN / Parcel Number

Primary APN	`04-05-26-014173-001-74`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,437 sqft Heated Area
Gross Area	2,340 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,677 sqft (0.313 acres)
Lot Dimensions	140 ft deep x 98 ft wide
Garage Area	400 sqft

Exterior Amenities

Porch	Porch
Porch Area	347 sqft
Deck Area	408 sqft
Patio Area	564 sqft
Storage Building	50 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	511 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 72 FLEMINGBROOK UNIT 1 ASREC O R 3043 PG 2015 & 4961 PG1727
Legal Range	26
Legal Township	05
Legal Section	04
Legal Subdivision	FLEMINGBROOK
Legal Lot Number	72
Legal Unit	1
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	3
Census Block	3009
Census Tract	30701

Owner

Source: Clay County records, as of December 18, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	511 COZYBROOK LN, FLEMING ISLAND, FL 32003-8091
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2008 · Amount on Record
Deed Sale	Aug 14, 2008 · Amount on Record
Prior Sale	Aug 14, 2008 · Amount on Record
Deed Document Number	0030432015
Deed Book / Page	3043 / 2015
Last Transfer Date	Aug 21, 2025
Transfer Doc	0049611727
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	511 COZYBROOK LN, FLEMING ISLAND, FL 32003-8091
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 COZYBROOK LN, ORANGE PARK, FL 32003-8091

Mortgage

Document Number	0046221940
Date	Jun 29, 2022
Book Page	4622/1940
Instrument	2022039898

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 27, 2032

Tax Assessment & Valuation

Source: Clay County assessment roll, as of July 1, 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	$1,696.00 (-10.41%) Homeowner's exemption	$151,386 (+5.99%)	$270,419 (+2.85%) Land $50,000 Building $220,419
2023	$1,893.00 (+10.06%) Homeowner's exemption	$142,835 (+3%)	$262,920 (+24.94%) Land $50,000 Building $212,920
2022	$1,720.00 Homeowner's exemption	$138,675	$210,429 Land $40,000 Building $170,429

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 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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Hurricane Irma, Sep 2017 · 25 claims Tropical Storm Debby, Jul 2012 · 2 claims Hurricane Frances, Sep 2004 · 12 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	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.

Internet Providers

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