Clay County property record for 5639 Starlight Ln, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,462 sqft · built 1994 |
| Lot Size | 0.53 acres (23,086 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,670 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-05-26-015195-001-23 |
| Primary APN | 41-05-26-015195-001-23 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,462 sqft Living Area |
| Gross Area | 3,706 sqft |
| 1st Floor Area | 2,462 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 23,086 sqft (0.53 acres) |
| Lot Dimensions | 185 ft deep x 125 ft wide |
| Garage Type | Attached |
| Garage Area | 952 sqft |
| Pool Area | 682 sqft |
| Porch | Enclosed/Finished Porch |
| Porch Area | 364 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5639 STARLIGHT LN |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-8097 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | LOT 23 RIVER PASSAGE AS REC OR 1615 PG 1160; 3047 PG 717 & 3047 PG 1298FJ |
| Legal Range | 26E |
| Legal Township | 05S |
| Legal Section | 41 |
| Legal Subdivision | RIVER PASSAGE |
| Legal Lot Number | 23 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 30701 |
5639 Starlight Ln is owned and occupied by an individual who acquired it in August 2008.
Source: Clay County records, as of December 3, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5639 STARLIGHT LN, FLEMING ISLAND, FL 32003-8097 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 13, 2008 |
| Transfer Doc | 0030470717 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 5639 STARLIGHT LN, FLEMING ISLAND, FL 32003-8097 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0042941571 |
|---|---|
| Date | Apr 1, 2020 |
| Book Page | 4294/1571 |
| Instrument | 2020017111 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Apr 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.62% |
| Index | 1-Year LIBOR |
| Max Rate | 8.62% |
The 2025 property tax bill for 5639 Starlight Ln was $3,670 with a homeowner's exemption, up 16.3% from the year before.
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 | $3,670.00 (+16.29%) Homeowner's exemption | $280,809 | $498,842 Land $70,000 Building $428,842 |
| 2024 | $3,156.00 (-7.37%) | ||
| 2023 | $3,407.00 (+6.7%) Homeowner's exemption | $242,555 (+3%) | $484,645 (+24.93%) Land $70,000 Building $414,645 |
| 2022 | $3,193.00 Homeowner's exemption | $235,491 | $387,946 Land $70,000 Building $317,946 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5639 Starlight Ln in Zone X, an area of minimal flood risk, though there have been 57 flood claims nearby since 1980.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 191 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 191 in force |
| Nearby Flood Claims | 57 (1980–2024) |
| Claims Outside the SFHA | 31 of 57 |
| Most Recent Claim | Sep 2024 · other causes |
| 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.
Wildfire risk around 5639 Starlight Ln is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% 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.
Source: FCC Broadband Data Collection, based on 156 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
5G (outdoors only) and 4G LTE
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