6488 River Point Dr, Fleming Island, FL 32003 Property Records

Clay County property record for 6488 River Point Dr, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,211 sqft · built 1982
Lot Size	0.432 acres (18,861 sqft)
Owner	Individual Name on Record
Tax Bill	$2,156 (2023)
Deeds & Mortgages	Jun 2020 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`37-05-26-014614-019-00`

Property Details

APN / Parcel Number

Primary APN	`37-05-26-014614-019-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,211 sqft Heated Area
Gross Area	3,432 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,861 sqft (0.432 acres)
Lot Dimensions	185 ft deep x 102 ft wide
Garage Area	441 sqft

Exterior Amenities

Pool Area	521 sqft
Porch	Porch
Porch Area	384 sqft
Patio Area	396 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	6488 RIVER POINT DR
City	FLEMING ISLAND
State	FL
Zip	32003-9330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 89 FLEMING OAKS UNIT 3 ASREC O R 1267 PG 522, 4755 PG 97
Legal Range	26
Legal Township	05
Legal Section	37
Legal Subdivision	FLEMING OAKS
Legal Lot Number	89
Legal Unit	3
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2018
Census Tract	30701

Owner

Source: Clay County records, as of December 18, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	6488 RIVER POINT DR, FLEMING ISLAND, FL 32003-9330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2020	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND
Jun 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND
May 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 11, 2023
Transfer Doc	0047550907
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	6488 RIVER POINT DR, FLEMING ISLAND, FL 32003-9330
Document Number	0043272188
Instrument Date	Jun 23, 2020
Transaction Type	Mortgage
Record Updated	Jul 27, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	6488 RIVER POINT DR FLEMING ISLAND FL 320039330, FLEMING ISLAND, FL 32003-9330

Mortgage

Document Number	0043272188
Date	Jul 10, 2020
Book Page	004327/002188
Instrument	34301

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2050

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	6488 RIVER POINT DR, FLEMING ISLAND, FL 32003-9330
Document Number	0043200537
Instrument Date	Jun 12, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	FIRST SERVICE TITLE, FIRST SERVICE TITLE/FL LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	6488 RIVER POINT DR FLEMING ISLAND FL 320039330, FLEMING ISLAND, FL 32003-9330

Mortgage

Document Number	0043200537
Date	Jun 19, 2020
Book Page	004320/000537
Instrument	30391

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 18, 2030

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	6488 RIVER POINT DR, FLEMING ISLAND, FL 32003-9330
Document Number	0040840164
Instrument Date	May 8, 2018
Transaction Type	Mortgage
Record Updated	May 31, 2018
Title Company	FIRST SERVICE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6488 RIVER POINT DR FLEMING ISLAND FL 320039330, FLEMING ISLAND, FL 32003-9330

Mortgage

Document Number	0040840164
Date	May 16, 2018
Book Page	004084/000164
Instrument	24918

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	GARFIELD HEIGHTS, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 15, 2028

Tax Assessment & Valuation

Source: Clay County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Clay County
Unified School District	Clay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Disabled Person's exemption Veteran's exemption	$169,701 (+5.99%)	$376,272 (+2.53%) Land $70,000 Building $306,272
2023	$2,156.00 (+9.16%) Homeowner's exemption	$160,116 (+3%)	$366,980 (+12.02%) Land $70,000 Building $296,980
2022	$1,975.00 Homeowner's exemption	$155,453	$327,588 Land $70,000 Building $257,588

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

Flood

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 191 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	191 in force
Nearby Flood Claims	57 (1980–2024)
Claims Outside the SFHA	31 of 57
Most Recent Claim	Sep 2024 · other causes
Claims by Event	Hurricane Nicole, Nov 2022 · 2 claims Hurricane Irma, Sep 2017 · 38 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: IQ Fiber.

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