6489 Oak Dr, Fleming Island, FL 32003 Property Records

Clay County property record for 6489 Oak Dr, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,613 sqft · built 1974
Lot Size	0.571 acres (24,872 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Dec 2018)
Deeds & Mortgages	Sep 2022 Mortgage Jan 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`37-05-26-014653-000-00`

Property Details

APN / Parcel Number

Primary APN	`37-05-26-014653-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,613 sqft Living Area
Gross Area	2,097 sqft
1st Floor Area	1,613 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	24,872 sqft (0.571 acres)
Lot Dimensions	235 ft deep x 106 ft wide
Garage Type	Attached
Garage Area	484 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	30 sqft
Deck Area	40 sqft
Patio Area	425 sqft
Storage Building	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6489 OAK DR
City	FLEMING ISLAND
State	FL
Zip	32003-9385
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 37 FLEMING OAKS REPLAT UNIT 1 AS REC OR 4146 PG 2069
Legal Range	26E
Legal Township	05S
Legal Section	37
Legal Subdivision	FLEMING OAKS REPLAT UNIT 1
Legal Lot Number	37
Legal Unit	1
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2020
Census Tract	30701

Owner

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	Individual Name on Record
Mailing Address	6489 OAK DR, FLEMING ISLAND, FL 32003-9385
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2022	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Jan 4, 2022	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Jan 8, 2020	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Dec 6, 2018	Warranty Deed, Transfer · VA Mortgage NATIONAL BANK OF KANSAS CITY
Apr 9, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 31, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2018 · Amount on Record
Deed Sale	Dec 6, 2018 · Amount on Record
Prior Sale	Oct 31, 2017 · Amount on Record
Deed Document Number	201863194
Deed Book / Page	4146 / 2069
Prior Transfer Date	Apr 6, 2018
Prior Transfer Doc	0040720433
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	6489 OAK DR, FLEMING ISLAND, FL 32003-9385
Transaction Type	Mortgage
Record Updated	Sep 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6489 OAK DR, FLEMING ISLE, FL 32003-9385

Mortgage

Document Number	0046450468
Date	Sep 1, 2022
Book Page	4645/468
Instrument	2022053436

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	6489 OAK DR, FLEMING ISLAND, FL 32003-9385
Transaction Type	Mortgage
Record Updated	Jan 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6489 OAK DR, FLEMING ISLE, FL 32003-9385

Mortgage

Document Number	0045541856
Date	Jan 4, 2022
Book Page	4554/1856
Instrument	2022000572

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Dec 1, 2049

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	6489 OAK DR, FLEMING ISLAND, FL 32003-9385
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN ELS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042670638
Date	Jan 8, 2020
Book Page	4267/0638
Instrument	2020001053

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Dec 6, 2018
Property Address	6489 OAK DR, FLEMING ISLAND, FL 32003-9385
Document Number	0041462069
Book / Page	4146 / 2069
Map Reference	MB10 PG4&5
Instrument Date	Dec 5, 2018
Instrument	2018063194
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6489 OAK DR, FLEMING ISLAND, FL 32003-9385

Mortgage

Document Number	2018063195
Date	Dec 6, 2018
Instrument	2018063195

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY FL
Recording Date	Apr 9, 2018
Property Address	6489 OAK DR, FLEMING ISLAND, FL 32003-9385
Document Number	0040720433
Book / Page	004072 / 000433
Instrument Date	Apr 6, 2018
Instrument	17823
Transaction Type	Transfer
Record Updated	Apr 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2207 LAKESHORE DR N FLEMING ISLAND FL 320037707, FLEMING ISLAND, FL 32003-7707

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Oct 31, 2017
Property Address	6489 OAK DR, FLEMING ISLAND, FL 32003-9385
Document Number	0040251940
Book / Page	004025 / 001940
Instrument Date	Oct 31, 2017
Instrument	55479
Transaction Type	Transfer
Record Updated	Nov 13, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$805.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2207 LAKESHORE DR N FLEMING ISLAND FL 320037707, FLEMING ISLAND, FL 32003-7707

Tax Assessment & Valuation

Source: Clay County assessment roll, as of December 3, 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	Veteran's exemption	$208,002 (+5.99%)	$314,515 (+2.36%) Land $70,000 Building $244,515
2023	Disabled Person's exemption Veteran's exemption	$196,253	$307,263 Land $70,000 Building $237,263

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
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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	0.01% 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 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications.

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