Clay County property record for 645 Winfred Dr, Orange Park, FL 32073
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,185 sqft · built 1967 |
| Lot Size | 0.344 acres (14,984 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $340,100 (Jul 2021) |
| Tax Bill | $3,674 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Aug 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-04-26-019348-000-00 |
| Primary APN | 41-04-26-019348-000-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,185 sqft Living Area |
| Gross Area | 2,710 sqft |
| 1st Floor Area | 2,185 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 14,984 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 525 sqft |
| Porch | Enclosed/Unfinished Porch |
|---|---|
| Porch Area | 228 sqft |
| Deck Area | 228 sqft |
| Patio Area | 264 sqft |
| Storage Building | 84 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 645 WINFRED DR |
|---|---|
| City | ORANGE PARK |
| State | FL |
| Zip | 32073-3947 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-2 |
| Legal Description | LOT 4 BLK 1 TWIN OAKS S/D AS REC OR 4875 PG 1429 |
| Legal Range | 26E |
| Legal Township | 04S |
| Legal Section | 41 |
| Legal Subdivision | TWIN OAKS |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 30600 |
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 WINFRED DR, ORANGE PARK, FL 32073-3947 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Jul 15, 2021 | Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC |
| Aug 13, 2018 | Deed of Trust, Mortgage BRANCH BANKING AND TRUST CO |
| Dec 12, 2018 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2021 · Amount on Record |
| Deed Sale | Jul 15, 2021 · Amount on Record |
| Prior Sale | Dec 12, 2018 · Amount on Record |
| Deed Document Number | 202143958 |
| Deed Book / Page | 4482 / 2042 |
| Prior Transfer Date | Feb 12, 2016 |
| Prior Transfer Doc | 0038301844 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jul 15, 2021 |
| Property Address | 645 WINFRED DR, ORANGE PARK, FL 32073-3947 |
| Document Number | 0044822042 |
| Book / Page | 4482 / 2042 |
| Map Reference | MB 7 PG 40 |
| Instrument Date | Jul 13, 2021 |
| Instrument | 2021043958 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2021 |
| Title Company | OSBORNE AND SHEFFIELD TITLE SERVICES, OSBORNE & SHEFFIELD TTL SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,380.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 277 OAK DR S, 277, FLEMING ISLAND, FL 32003-8777 |
| Name | Verified Name |
|---|---|
| Address | 645 WINFRED DR, ORANGE PARK, FL 32073-3947 |
| Document Number | 44822044 |
|---|---|
| Date | Jul 15, 2021 |
| Instrument | 4482/2044 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 645 WINFRED DR, ORANGE PARK, FL 32073-3947 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0041122097 |
|---|---|
| Date | Aug 13, 2018 |
| Book Page | 4112/2097 |
| Instrument | 2018042204 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Amount | Amount Recorded |
|---|---|
| Term | 299 Months |
| Due | Jul 24, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Dec 12, 2018 |
| Property Address | 645 WINFRED DR, ORANGE PARK, FL 32073-3947 |
| Document Number | 0041482002 |
| Book / Page | 004148 / 002002 |
| Instrument Date | Dec 10, 2018 |
| Instrument | 64546 |
| Transaction Type | Transfer |
| Record Updated | Dec 26, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,855.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 645 WINFRED DR ORANGE PARK FL 320733947, ORANGE PARK, FL 32073-3947 |
| Document Number | 41482004 |
|---|---|
| Date | Dec 12, 2018 |
| Book Page | 004148/002004 |
| Instrument | 64547 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 11, 2048 |
Source: Clay County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Municipality | Orange Park Town |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,674.00 (-20.13%) | $244,276 (-16.6%) | $343,275 (+10.37%) Land $30,000 Building $313,275 |
| 2024 | $4,600.00 (+0.31%) | ||
| 2023 | $4,586.00 (+2.76%) Homeowner's exemption | $292,888 (+3%) | $311,024 (-0.79%) Land $30,000 Building $281,024 |
| 2022 | $4,463.00 Homeowner's exemption | $284,358 | $313,498 Land $30,000 Building $283,498 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 45 policies |
| Nearby Flood Policies | 45 in force |
| Nearby Flood Claims | 39 (2007–2017) |
| Claims Outside the SFHA | 8 of 39 |
| 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 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF ORANGE PARK serves 8,668 people · EPA ID FL2101182 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 11 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 215 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 Fixed Wireless · DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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