604 Islamorada Dr N, Macclenny, FL 32063 Property Records

Baker County property record for 604 Islamorada Dr N, Macclenny, FL 32063

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,284 sqft · built 2008
Lot Size	0.218 acres (9,505 sqft)
Owner	Individual Name on File
Last Sale	$244,000 (Jan 2022)
Tax Bill	$2,481 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-2S-22-0216-0000-0910`

Property Details

APN / Parcel Number

Primary APN	`28-2S-22-0216-0000-0910`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,284 sqft Living Area
Gross Area	1,535 sqft
1st Floor Area	1,284 sqft
Flooring	Marble
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	9,505 sqft (0.218 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Finished Screened Porch
Porch Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	604 ISLAMORADA DR N
City	MACCLENNY
State	FL
Zip	32063-8828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG LOT 91 CYPRESS POINTE UNIT II PB 3 PGS 104-107 DESC IN OR 2022- 0038 POM 141B
Legal Range	22E
Legal Township	2S
Legal Section	28
Legal Subdivision	CYPRESS POINTE UNIT II
Legal Lot Number	91
Legal Unit	II
Jurisdiction	BAKER FL
Township / Civil Division	MACCLENNY
Census Block Group	2
Census Block	2024
Census Tract	40101

Owner

604 Islamorada Dr N is owned and occupied by an individual who bought it in January 2022.

Source: Baker County records, as of October 19, 2026

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

Owner of Record	Individual Name on File
Mailing Address	604 ISLAMORADA DR N, MACCLENNY, FL 32063-8828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2023	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
Jan 4, 2022	Warranty Deed, Transfer · FHA Mortgage OVM FINANCIAL INC
Aug 13, 2021	Warranty Deed, Transfer OS NATIONAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2022 · Amount on File
Deed Sale	Jan 4, 2022 · Amount on File
Prior Sale	Aug 13, 2021 · Amount on File
Deed Document Number	202238
Prior Transfer Date	Dec 28, 2015
Prior Transfer Doc	0000006801
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAKER FL
Property Address	604 ISLAMORADA DR N, MACCLENNY, FL 32063-8828
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 ISLAMORADA DR N, MACCLENNY, FL 32063-8828

Mortgage

Document Number	0000007048
Date	Oct 25, 2023
Instrument	202300007048

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	339 Months
Due	Jan 1, 2052

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAKER FL
Recording Date	Jan 4, 2022
Property Address	604 ISLAMORADA DR N, MACCLENNY, FL 32063-8828
Document Number	0000000038
Map Reference	MB 3 PG 104-107
Instrument Date	Dec 29, 2021
Instrument	202200000038
Transaction Type	Transfer
Record Updated	Feb 14, 2022
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,708.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOI1SDALE RD #16001600, 410, TEMPE, AZ 85281

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 ISLAMORADA DR N, MACCLENNY, FL 32063-8828

Mortgage

Document Number	0000000039
Date	Jan 4, 2022
Instrument	202200000039

Lender

Name	OVM FINANCIAL INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAKER FL
Recording Date	Aug 13, 2021
Property Address	604 ISLAMORADA DR N, MACCLENNY, FL 32063-8828
Document Number	0000006136
Map Reference	MB 3 PG 104-107
Instrument Date	Aug 11, 2021
Instrument	202100006136
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Tax	$1,684.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13250 MATTHEWS WAY, MACCLENNY, FL 32063-3404

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 604 Islamorada Dr N was $2,481 with a homeowner's exemption, up 3.4% from the year before.

Source: Baker County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Baker County
Municipality	Macclenny City
Unified School District	Baker County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,481.00 (+3.38%) Homeowner's exemption	$186,597 (+2.9%)	$198,587 (+8.29%) Land $35,000 Building $163,587
2024	$2,400.00 (+3%) Homeowner's exemption	$181,338 (+3%)	$183,380 (+0.69%) Land $35,000 Building $148,380
2023	$2,330.00 (+3.19%) Homeowner's exemption	$176,056 (+3%)	$182,115 (+6.54%) Land $35,000 Building $147,115
2022	$2,258.00 Homeowner's exemption	$170,928 Land $35,000 Building $135,928	$170,928 Land $35,000 Building $135,928

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 604 Islamorada Dr N in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 14 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	31 (1984–2024)
Claims Outside the SFHA	7 of 31
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Irma, Sep 2017 · 4 claims Tropical Storm Debby, Jun 2012 · 5 claims Hurricane Frances, Sep 2004 · 5 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 604 Islamorada Dr N is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF MACCLENNY serves 6,500 people · EPA ID FL2020204
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 242 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Northeast Florida Telephone Company.

Cell Coverage

5G (outdoors only) and 4G LTE

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