Clay County property record for 640 Ridgestone Ct, Orange Park, FL 32065
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,996 sqft · built 1978 |
| Lot Size | 0.429 acres (18,687 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $76,500 (Nov 2017) |
| Tax Bill | $2,553 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Feb 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-04-25-020327-205-00 |
| Primary APN | 14-04-25-020327-205-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,996 sqft Living Area |
| Gross Area | 2,751 sqft |
| 1st Floor Area | 1,996 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 18,687 sqft (0.429 acres) |
| Lot Dimensions | 160 ft deep x 117 ft wide |
| Garage Type | Attached |
| Garage Area | 398 sqft |
| Pool Area | 612 sqft |
|---|---|
| Porch | Finished Screened Porch |
| Porch Area | 507 sqft |
| Patio Area | 441 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 640 RIDGESTONE CT |
|---|---|
| City | ORANGE PARK |
| State | FL |
| Zip | 32065-5717 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Description | LOT 50 FOXRIDGE UNIT 3 AS REC OR 3631 PG 799 & 4032 PG 148 |
| Legal Range | 25E |
| Legal Township | 04S |
| Legal Section | 14 |
| Legal Subdivision | FOXRIDGE UNIT 3 |
| Legal Block | 382 |
| Legal Lot Number | 50 |
| Legal Unit | 3 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 5 |
| Census Block | 5009 |
| Census Tract | 30904 |
640 Ridgestone Ct is owned and occupied by two individuals who bought it in November 2017.
Source: Clay County records, as of December 3, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 640 RIDGESTONE CT, ORANGE PARK, FL 32065-5717 |
| 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.
| Date | Document |
|---|---|
| Apr 25, 2023 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Feb 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage HAMILTON HOME LOANS INC |
| Dec 15, 2017 | Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK |
| Jul 19, 2019 | Loan Modification, Mortgage · Conventional Mortgage SUNTRUST BK |
| Nov 21, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage HAMILTON GROUP FUNDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 21, 2017 · Amount on File |
| Deed Sale | Nov 21, 2017 · Amount on File |
| Prior Sale | Apr 2, 2014 · Amount on File |
| Deed Document Number | 201759426 |
| Deed Book / Page | 4032 / 148 |
| Prior Transfer Date | Nov 15, 2017 |
| Prior Transfer Doc | 0040320148 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 640 RIDGESTONE CT, ORANGE PARK, FL 32065-5717 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 640 RIEGESTONE CT, ORANGE PARK, FL 32065-5717 |
| Document Number | 0047130079 |
|---|---|
| Date | Apr 25, 2023 |
| Book Page | 4713/79 |
| Instrument | 2023019422 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 7, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 640 RIDGESTONE CT, ORANGE PARK, FL 32065-5717 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 640 RIDGESTONE CT, ORANGE PARK, FL 32065-5717 |
| Document Number | 0045740001 |
|---|---|
| Date | Feb 22, 2022 |
| Book Page | 4574/1 |
| Instrument | 2022011428 |
| Name | HAMILTON HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT LAUDERDALE, FL 33323 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 640 RIDGESTONE CT, ORANGE PARK, FL 32065-5717 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040390864 |
|---|---|
| Date | Dec 15, 2017 |
| Book Page | 4039/0864 |
| Instrument | 2017063861 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 640 RIDGESTONE CT, ORANGE PARK, FL 32065-5717 |
| Document Number | 0042170016 |
| Instrument Date | Jul 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 640 RIDGESTONE CT ORANGE PARK FL 320655717, ORANGE PARK, FL 32065-5717 |
| Document Number | 0042170016 |
|---|---|
| Date | Aug 1, 2019 |
| Book Page | 004217/000016 |
| Instrument | 40309 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 31, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Nov 21, 2017 |
| Property Address | 640 RIDGESTONE CT, ORANGE PARK, FL 32065-5717 |
| Document Number | 0040320148 |
| Book / Page | 4032 / 0148 |
| Map Reference | MB14 PG49&50 |
| Instrument Date | Nov 15, 2017 |
| Instrument | 2017059426 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2022 |
| Title Company | TITLE & TRUST INC |
| Amount | Amount on Record |
|---|---|
| Tax | $535.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 640 RIDGESTONE CT, 640, ORANGE PARK, FL 32065-5717 |
| Name | Verified Name |
|---|---|
| Address | 640 RIDGESTONE CT, ORANGE PARK, FL 32065-5717 |
| Document Number | 2017059427 |
|---|---|
| Date | Nov 21, 2017 |
| Instrument | 2017059427 |
| Name | HAMILTON GROUP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2047 |
The 2025 property tax bill for 640 Ridgestone Ct was $2,553 with a homeowner's exemption, up 4.9% 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 | $2,553.00 (+4.93%) Homeowner's exemption | $207,554 | $317,261 Land $50,000 Building $267,261 |
| 2024 | $2,433.00 (-9.82%) | ||
| 2023 | $2,698.00 (+7.79%) Homeowner's exemption | $195,831 (+3%) | $308,806 (+12.69%) Land $50,000 Building $258,806 |
| 2022 | $2,503.00 Homeowner's exemption | $190,128 | $274,028 Land $40,000 Building $234,028 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 640 Ridgestone Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 13 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2024 · rainfall accumulation |
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 640 Ridgestone Ct 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 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ORANGE PARK GRID private · serves 127,904 people · EPA ID FL2100741 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 327 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| IQ Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures