521 Summit Dr, Orange Park, FL 32073 Property Records

Clay County property record for 521 Summit Dr, Orange Park, FL 32073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,358 sqft · built 1997
Lot Size	0.147 acres (6,412 sqft)
Owner	Individual Name on Record
Last Sale	$157,000 (May 2005)
Tax Bill	$3,395 (2025)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-04-25-007865-005-77`

Property Details

APN / Parcel Number

Primary APN	`04-04-25-007865-005-77`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,358 sqft Heated Area
Gross Area	2,028 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,412 sqft (0.147 acres)
Garage Area	420 sqft
Porch	Porch
Porch Area	82 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	521 SUMMIT DR
City	ORANGE PARK
State	FL
Zip	32073-2287
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE
Legal Description	LOT 77 OLDE SUTTON PARKE AS REC O R 2529 PG 525
Legal Range	25
Legal Township	04
Legal Section	04
Legal Subdivision	OLDE SUTTON PARKE
Legal Lot Number	77
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	3
Census Block	3007
Census Tract	30206

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	521 SUMMIT DR, ORANGE PARK, FL 32073-2287
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2005 · Amount on Record
Deed Sale	May 16, 2005 · Amount on Record
Prior Sale	Apr 21, 2005
Deed Document Number	2005030437
Deed Book / Page	2529 / 0525
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	521 SUMMIT DR, ORANGE PARK, FL 32073-2287
Transaction Type	Mortgage
Record Updated	Jun 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 BAINBRIDGE ST, PANAMA CITY BEACH, FL 32413-2824

Mortgage

Document Number	0044611750
Date	May 26, 2021
Book Page	4461/1750
Instrument	2021032921

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

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	$3,395.00 (+3.25%)	$241,925 (+7.09%) Land $45,000 Building $196,925	$241,925 (+7.09%) Land $45,000 Building $196,925
2023	$3,288.00 (+16.47%)	$225,899 (+17.85%) Land $45,000 Building $180,899	$225,899 (+17.85%) Land $45,000 Building $180,899
2022	$2,823.00	$191,689 Land $40,000 Building $151,689	$191,689 Land $40,000 Building $151,689

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	9 in force

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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach

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	ORANGE PARK GRID private · serves 127,904 people · EPA ID FL2100741
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 408 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20