634 River Rd, Orange Park, FL 32073 Property Records

Clay County property record for 634 River Rd, Orange Park, FL 32073 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,496 sqft · built 1902
Lot Size	1.9 acres (82,807 sqft)
Owner	Individual Name on File
Last Sale	$975,000 (Apr 2022)
Tax Bill	$14,269 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`50-04-26-018510-000-00`

Property Details

APN / Parcel Number

Primary APN	`50-04-26-018510-000-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	3,496 sqft Living Area
1st Floor Area	1,873 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	82,807 sqft (1.9 acres)
Lot Dimensions	309 ft deep x 268 ft wide
Porch	Finished/Open Porch
Porch Area	237 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	634 RIVER RD
City	ORANGE PARK
State	FL
Zip	32073-3139
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF LOT F & ALL LOT F1 PREBLES SEC 1 O.P. AS REC OR 4602 PG 512
Legal Range	26E
Legal Township	04S
Legal Section	50
Legal Subdivision	PREBLES
Legal Lot Number	F,F1
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2011
Census Tract	30600

Owner

Source: Clay County records · APN 50-04-26-018510-000-00

Assessment roll updated December 3, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	634 RIVER RD, ORANGE PARK, FL 32073-3139
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 03, 2025	Deed of Trust, Mortgage · Line of Credit UPSTART MORTGAGE LLC
Apr 29, 2022	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 29, 2022 · Amount on Record
Deed Sale	Apr 29, 2022 · Amount on Record
Deed Document Number	202227479
Deed Book / Page	4602 / 512
Prior Transfer Date	Mar 28, 2013
Prior Transfer Doc	0035230400
Record Updated	Jun 08, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	634 RIVER RD, ORANGE PARK, FL 32073-3139
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 RIVER RD, ORANGE PARK, FL 32073-3139

Mortgage

Document Number	0049840517
Date	Nov 03, 2025
Book Page	4984/517
Instrument	2025051862

Lender

Name	UPSTART MORTGAGE LLC
Type	Mortgage Company
Address	SAN MATEO, CA 94403

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Oct 28, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Apr 29, 2022
Property Address	634 RIVER RD, ORANGE PARK, FL 32073-3139
Document Number	0046020512
Book / Page	4602 / 512
Map Reference	MB 43 PG 423
Instrument Date	Apr 25, 2022
Instrument	2022027479
Transaction Type	Transfer
Record Updated	May 23, 2022
Title Company	WATSON TITLE SERVICES/N FL INC, WATSON TTL SVCS OF NORTH FL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,825.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	54 COLEMAN AVE, 54, ASHEVILLE, NC 28801-1312

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 RIVER RD, ORANGE PARK, FL 32073-3139

Mortgage

Document Number	0004602514
Date	Apr 29, 2022
Instrument	4602/514

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated December 3, 2025 · Last verified April 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,269.00 (+5.82%) Homeowner's exemption	$828,077 (+3.31%)	$957,302 (+19.43%) Land $757,154 Building $200,148
2024	$13,484.00 (-1.26%)
2023	$13,656.00 (+14.78%) Homeowner's exemption	$801,544 (+15.14%) Land $606,323 Building $195,221	$801,544 (+3.71%) Land $606,323 Building $195,221
2022	$11,898.00 Homeowner's exemption	$696,140	$772,905 Land $606,323 Building $166,582

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (12019C), updated July 6, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120190306002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 11 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	5 (2004–2017)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Sep 2017, river or lake flooding, Hurricane Irma
Claims By Storm	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 2 claims

Wildfire

Wildfire Risk	Low above 4% of the US · above 4% of Florida
Wildfire Likelihood	About 1 in 8,333 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 79 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
IQ Fiber Intermediate Holdings	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
AT&T	DSL	100 / 20

May also be available at this address: AT&T, T-Mobile USA, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on River Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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