Clay County property record for 545 Cozybrook Ln, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,002 sqft · built 1991 |
| Lot Size | 0.565 acres (24,611 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,991 (2025) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage Aug 2022 Sale |
| Flood Zone | Zone A (high risk) |
| APN | 04-05-26-014173-001-79 |
| Primary APN | 04-05-26-014173-001-79 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,002 sqft Living Area |
| Gross Area | 2,402 sqft |
| 1st Floor Area | 2,002 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 24,611 sqft (0.565 acres) |
| Lot Dimensions | 293 ft deep x 84 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 212 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 545 COZYBROOK LN |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-8092 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Description | LOT 77 FLEMINGBROOK UNIT 1 AS REC OR 4856 PG 696 |
| Legal Range | 26E |
| Legal Township | 05S |
| Legal Section | 04 |
| Legal Subdivision | FLEMINGBROOK UNIT 1 |
| Legal Lot Number | 77 |
| Legal Unit | 1 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 30701 |
Source: Clay County records, as of March 31, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 545 COZYBROOK LN, FLEMING ISLAND, FL 32003-8092 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Mar 4, 2026 | Warranty Deed, Transfer · VA Mortgage MORTGAGEONE INC |
| Aug 23, 2022 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2026 |
| Deed Sale | Mar 4, 2026 |
| Prior Sale | Aug 23, 2022 |
| Deed Document Number | 20269813 |
| Deed Book / Page | 5019 / 692 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Mar 4, 2026 |
| Property Address | 545 COZYBROOK LN, FLEMING ISLAND, FL 32003-8092 |
| Document Number | 0050190692 |
| Book / Page | 5019 / 692 |
| Map Reference | MB 22 PG 31-34 |
| Instrument Date | Feb 20, 2026 |
| Instrument | 2026009813 |
| Transaction Type | Transfer |
| Record Updated | Apr 1, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,835.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3110 CREIGHTON LANDING RD, FLEMING ISLAND, FL 32003-7022 |
| Name | Verified Name |
|---|---|
| Address | 545 COZYBROOK LN, FLEMING ISLAND, FL 32003-8092 |
| Document Number | 0005019694 |
|---|---|
| Date | Mar 4, 2026 |
| Instrument | 5019/694 |
| Name | MORTGAGEONE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Aug 23, 2022 |
| Property Address | 545 COZYBROOK LN, FLEMING ISLAND, FL 32003-8092 |
| Document Number | 0046411659 |
| Book / Page | 4641 / 1659 |
| Map Reference | MB 22 PG 31-34 |
| Instrument Date | Aug 15, 2022 |
| Instrument | 2022051470 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,660.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1867 PARADISE MOORINGS BLVD, 1867, MIDDLEBURG, FL 32068-6651 |
| Name | Verified Name |
|---|---|
| Address | 545 COZYBROOK LN, FLEMING ISLAND, FL 32003-8092 |
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 | $4,991.00 (+17.19%) | $327,269 (+3.08%) Land $50,000 Building $277,269 | $327,269 (+3.08%) Land $50,000 Building $277,269 |
| 2024 | $4,259.00 (-6.29%) | ||
| 2023 | $4,545.00 (+16.06%) Homeowner's exemption | $317,491 (+25.21%) Land $50,000 Building $267,491 | $317,491 (+25.21%) Land $50,000 Building $267,491 |
| 2022 | $3,916.00 | $253,560 Land $40,000 Building $213,560 | $253,560 Land $40,000 Building $213,560 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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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