6490 Oak Dr, Fleming Island, FL 32003 Property Records

Clay County property record for 6490 Oak Dr, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,576 sqft · built 1973
Lot Size	0.452 acres (19,689 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Feb 2019)
Tax Bill	$2,865 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`37-05-26-014656-000-00`

Property Details

APN / Parcel Number

Primary APN	`37-05-26-014656-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,576 sqft Living Area
Gross Area	2,087 sqft
1st Floor Area	1,576 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1991
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	19,689 sqft (0.452 acres)
Lot Dimensions	179 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	511 sqft

Exterior Amenities

Pool Area	595 sqft
Porch	Finished/Open Porch
Porch Area	25 sqft
Deck Area	200 sqft
Patio Area	827 sqft
Storage Building	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6490 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 40 FLEMING OAKS REPLAT UNIT 1 AS REC OR 4168 PG 2188
Legal Range	26E
Legal Township	05S
Legal Section	37
Legal Subdivision	FLEMING OAKS REPLAT UNIT 1
Legal Lot Number	40
Legal Unit	1
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2001
Census Tract	30701

Owner

6490 Oak Dr is owned and occupied by an individual who bought it in February 2019.

Source: Clay County records, as of December 3, 2025

Owner of Record	Individual Name on File
Mailing Address	6490 OAK DR, FLEMING ISLAND, FL 32003-9385
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage BBVA USA
Feb 28, 2019	Warranty Deed, Transfer ATTORNEY
Jun 1, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2019 · Amount on File
Deed Sale	Feb 28, 2019 · Amount on File
Prior Sale	Nov 4, 2014 · Amount on File
Deed Document Number	201910491
Deed Book / Page	4168 / 2188
Prior Transfer Date	May 25, 2018
Prior Transfer Doc	0040891097
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	6490 OAK DR, FLEMING ISLAND, FL 32003-9385
Transaction Type	Mortgage
Record Updated	Apr 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6490 OAK DR, FLEMING ISLAND, FL 32003-9385

Mortgage

Document Number	0044340202
Date	Mar 25, 2021
Book Page	4434/202
Instrument	2021018303

Lender

Name	BBVA USA
Type	Bank
Address	BIRMINGHAM, AL 35233

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Feb 28, 2019
Property Address	6490 OAK DR, FLEMING ISLAND, FL 32003-9385
Document Number	0041682188
Book / Page	4168 / 2188
Map Reference	MB 10 PG 4&5
Instrument Date	Feb 28, 2019
Instrument	2019010491
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,750.00
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
Relationship	Joint Tenants with Right of Survivorship
Address	6490 OAK DR, FLEMING ISLAND, FL 32003-9385

June 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY FL
Recording Date	Jun 1, 2018
Property Address	6490 OAK DR, FLEMING ISLAND, FL 32003-9385
Document Number	0040891097
Book / Page	4089 / 1097
Map Reference	MB10 PG4&5
Instrument Date	May 25, 2018
Instrument	2018028079
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	UNISOURCE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6490 OAK DR, FLEMING ISLAND, FL 32003-9385

Mortgage

Document Number	2018028080
Date	Jun 1, 2018
Instrument	2018028080

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 6490 Oak Dr was $2,865 with a homeowner's exemption, up 4.9% from the year before.

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	$2,865.00 (+4.91%) Homeowner's exemption	$227,987	$330,086 Land $70,000 Building $260,086
2024	$2,731.00 (-8.69%)
2023	$2,991.00 (+7.32%) Homeowner's exemption	$215,109 (+3%)	$320,533 (+11.66%) Land $70,000 Building $250,533
2022	$2,787.00 Homeowner's exemption	$208,844	$287,061 Land $70,000 Building $217,061

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

Flood

FEMA maps place 6490 Oak Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 6490 Oak Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% 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 238 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	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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