545 Loring Ave, Orange Park, FL 32073 Property Records

Clay County property record for 545 Loring Ave, Orange Park, FL 32073

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,274 sqft · built 1984
Lot Size	0.123 acres (5,401 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Oct 2023)
Tax Bill	$3,049 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`41-04-26-019266-001-04`

Property Details

APN / Parcel Number

Primary APN	`41-04-26-019266-001-04`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,274 sqft Heated Area
Gross Area	1,622 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,401 sqft (0.123 acres)
Lot Dimensions	115 ft deep x 47 ft wide
Garage Area	252 sqft
Porch	Porch
Porch Area	268 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	545 LORING AVE
City	ORANGE PARK
State	FL
Zip	32073-2932
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG-1
Legal Description	LOT 3A VILLAGE OF LORING AS REC O R 4762 PG 1190
Legal Range	26
Legal Township	04
Legal Section	41
Legal Subdivision	VILLAGE/LORING
Legal Lot Number	3A
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	1
Census Block	1003
Census Tract	30600

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
Mailing Address	545 LORING AVE, ORANGE PARK, FL 32073-2932
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2023	Warranty Deed, Transfer · Conventional Mortgage GATEWAY FIRST BANK
Jan 23, 2017	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2023 · Amount on Record
Deed Sale	Oct 3, 2023 · Amount on Record
Prior Sale	Jan 23, 2017 · Amount on Record
Deed Document Number	2023049587
Deed Book / Page	4762 / 1190
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Oct 3, 2023
Property Address	545 LORING AVE, ORANGE PARK, FL 32073-2932
Document Number	0047621190
Book / Page	4762 / 1190
Map Reference	MB 16 PG 78&79
Instrument Date	Sep 29, 2023
Instrument	2023049587
Transaction Type	Transfer
Record Updated	Jan 9, 2024
Title Company	NOT AVAILABLE, BELL LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	970 GANO AVE, ORANGE PARK, FL 32073-4736

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 LORING AVE, ORANGE PARK, FL 32073-2932

Mortgage

Document Number	0047621192
Date	Oct 3, 2023
Instrument	4762/1192

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jan 23, 2017
Property Address	545 LORING AVE, ORANGE PARK, FL 32073-2932
Document Number	0039370067
Book / Page	003937 / 000067
Instrument Date	Jan 19, 2017
Instrument	3500
Transaction Type	Transfer
Record Updated	May 22, 2017
Title Company	WATSON TITLE SERVICES/N FL INC, WATSON TITLE SVCS/N FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$642.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 LORING AVE ORANGE PARK FL 320732932, ORANGE PARK, FL 32073-2932

Mortgage

Document Number	39370069
Date	Jan 23, 2017
Book Page	003937/000069
Instrument	3501

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 22, 2047

Tax Assessment & Valuation

Source: Clay County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Clay County
Municipality	Orange Park Town
Unified School District	Clay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,049.00	$168,050 (+108.84%) Land $24,000 Building $144,050	$168,050 (+37.81%) Land $24,000 Building $144,050
2023	Disabled Person's exemption Veteran's exemption	$80,469 (+3%)	$121,945 (+11.56%) Land $24,000 Building $97,945
2022	$578.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$78,126	$109,308 Land $24,000 Building $85,308

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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 45 policies
Nearby Flood Policies	45 in force
Nearby Flood Claims	39 (2007–2017)
Claims Outside the SFHA	8 of 39
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 30 claims Tropical Storm Debby, Jun 2012 · 4 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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	TOWN OF ORANGE PARK serves 8,668 people · EPA ID FL2101182
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	11 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 208 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: AT&T, T-Mobile, Verizon.

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