Clay County property record for 645 Custer Cir, Orange Park, FL 32073
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,653 sqft · built 1972 |
| Lot Size | 0.237 acres (10,323 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $130,500 (Jan 2004) |
| Tax Bill | $1,177 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Apr 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-04-25-012814-000-00 |
| Primary APN | 12-04-25-012814-000-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,653 sqft Living Area |
| Gross Area | 2,136 sqft |
| 1st Floor Area | 1,653 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 10,323 sqft (0.237 acres) |
| Lot Dimensions | 115 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Pool Area | 528 sqft |
| Porch | Open/Unfinished Porch |
| Porch Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 645 CUSTER CIR |
|---|---|
| City | ORANGE PARK |
| State | FL |
| Zip | 32073-4262 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Description | LOT 31 BLK 5 BELLAIR WEST AS REC OR 2313 PG 10 & 3606 PG 1906 |
| Legal Range | 25E |
| Legal Township | 04S |
| Legal Section | 12 |
| Legal Subdivision | BELLAIR WEST |
| Legal Block | 5 |
| Legal Lot Number | 31 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 30305 |
Source: Clay County records, as of December 3, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 645 CUSTER CIR, ORANGE PARK, FL 32073-4262 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 20, 2023 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Apr 26, 2022 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Sep 13, 2021 | Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 7, 2004 · Amount on Record |
| Deed Sale | Jan 7, 2004 · Amount on Record |
| Deed Document Number | 20048 |
| Deed Book / Page | 2313 / 10 |
| Last Transfer Date | Dec 23, 2013 |
| Transfer Doc | 0036061906 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 645 CUSTER CIR, ORANGE PARK, FL 32073-4262 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 645 CUSTER CIR, ORANGE PARK, FL 32073-4262 |
| Document Number | 0047400111 |
|---|---|
| Date | Jul 20, 2023 |
| Book Page | 4740/111 |
| Instrument | 2023036142 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Aug 1, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 645 CUSTER CIR, ORANGE PARK, FL 32073-4262 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2022 |
| Title Company | MERIDIAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 645 CUSTER CIR, ORANGE PARK, FL 32073-4262 |
| Document Number | 0046001325 |
|---|---|
| Date | Apr 26, 2022 |
| Book Page | 4600/1325 |
| Instrument | 2022026616 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | May 1, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 645 CUSTER CIR, ORANGE PARK, FL 32073-4262 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Title Company | SOURCEPOINT |
| Name | Verified Name |
|---|---|
| Address | 645 CUSTER CIR, ORANGE PARK, FL 32073-4262 |
| Document Number | 0045072071 |
|---|---|
| Date | Sep 13, 2021 |
| Book Page | 4507/2071 |
| Instrument | 2021057287 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
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 | $1,177.00 (+5.37%) Homeowner's exemption | $117,343 (+5.99%) | $218,771 (+7.11%) Land $35,000 Building $183,771 |
| 2024 | $1,117.00 (-20.55%) | ||
| 2023 | $1,406.00 (+12.93%) Homeowner's exemption | $110,715 (+3%) | $204,255 (+14.49%) Land $35,000 Building $169,255 |
| 2022 | $1,245.00 Homeowner's exemption | $107,491 | $178,410 Land $20,000 Building $158,410 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 14 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 9 (2012–2017) |
| Claims Outside the SFHA | 1 of 9 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| 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.
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 367 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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