557 Loring Ave, Orange Park, FL 32073 Property Records

Clay County property record for 557 Loring Ave, Orange Park, FL 32073

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,082 sqft · built 1984
Lot Size	0.115 acres (5,009 sqft)
Owner	Individual Name on File
Tax Bill	$2,400 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`41-04-26-019266-001-02`

Property Details

APN / Parcel Number

Primary APN	`41-04-26-019266-001-02`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,082 sqft Living Area
Gross Area	1,334 sqft
1st Floor Area	1,082 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,009 sqft (0.115 acres)
Lot Dimensions	114 ft deep x 44 ft wide
Garage Type	Attached
Garage Area	252 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	16 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	557 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 2A VILLAGE OF LORING AS REC OR 4715 PG 602
Legal Range	26E
Legal Township	04S
Legal Section	41
Legal Subdivision	VILLAGE OF LORING
Legal Lot Number	2A
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	1
Census Block	1003
Census Tract	30600

Owner

557 Loring Ave is owned and occupied by an individual who acquired it in May 2023.

Source: Clay County records, as of August 14, 2026

Owner of Record	Individual Name on File
Mailing Address	557 LORING AVE, ORANGE PARK, FL 32073-2932
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Feb 5, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 1, 2023	Warranty Deed, Transfer · FHA Mortgage GATEWAY FIRST BANK
Apr 1, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2023
Deed Sale	May 1, 2023
Prior Sale	Jan 29, 2013 · Amount on File
Deed Document Number	202320746
Deed Book / Page	4715 / 602
Prior Transfer Date	Dec 4, 2006
Prior Transfer Doc	0033061991
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	557 LORING AVE, ORANGE PARK, FL 32073-2932
Transaction Type	Mortgage
Record Updated	Jan 9, 2024
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	557 LORING AVE, ORANGE PARK, FL 32073-2932

Mortgage

Document Number	0045621820
Date	Jan 24, 2022
Book Page	4562/1820
Instrument	2022005178

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	557 LORING AVE, ORANGE PARK, FL 32073-2932
Transaction Type	Mortgage
Record Updated	Jan 9, 2024
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044121720
Date	Feb 5, 2021
Book Page	4412/1720
Instrument	2021007580

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	May 1, 2023
Property Address	557 LORING AVE, ORANGE PARK, FL 32073-2932
Document Number	0047150602
Book / Page	4715 / 602
Map Reference	MB 16 PG 78&79
Instrument Date	Apr 21, 2023
Instrument	2023020746
Transaction Type	Transfer
Record Updated	Jan 9, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1903 TEKESTA CT, MIDDLEBURG, FL 32068-4233

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	557 LORING AVE, ORANGE PARK, FL 32073-2932

Mortgage

Document Number	0004715604
Date	May 1, 2023
Instrument	4715/604

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	557 LORING AVE, ORANGE PARK, FL 32073-2932
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042940993
Date	Apr 1, 2020
Book Page	4294/993
Instrument	2020016979

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 557 Loring Ave was $2,400 with a homeowner's exemption.

Source: Clay County assessment roll, as of December 3, 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	$2,400.00 Homeowner's exemption	$174,104 Land $24,000 Building $150,104	$174,104 Land $24,000 Building $150,104
2023	$590.00 (+5.92%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$71,457 (+3%)	$119,265 (+11.42%) Land $24,000 Building $95,265
2022	$557.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$69,376	$107,045 Land $24,000 Building $83,045

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 557 Loring Ave 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 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

Wildfire risk around 557 Loring Ave 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.

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.

Nearby Properties on Loring Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures