6540 Bahaia Rd, Fleming Island, FL 32003 Property Records

Clay County property record for 6540 Bahaia Rd, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,828 sqft · built 1984
Lot Size	1.01 acres (44,344 sqft)
Owner	Individual Name on Record
Tax Bill	$1,444 (2025)
Deeds & Mortgages	Jun 2023 Transfer Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`37-05-26-014668-009-00`

Property Details

APN / Parcel Number

Primary APN	`37-05-26-014668-009-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,828 sqft Heated Area
Gross Area	2,652 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	44,344 sqft (1.01 acres)
Lot Dimensions	355 ft deep x 125 ft wide
Garage Area	420 sqft

Exterior Amenities

Porch	Porch
Porch Area	404 sqft
Fence	Fence
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	6540 BAHAIA RD
City	FLEMING ISLAND
State	FL
Zip	32003-4533
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Description	LOT 9 FLEMING OAKS UNIT 5 AS REC O R 1560 PG 1506;1678 PG 1428,2281 PG 533 & 4729 PG 1401
Legal Range	26
Legal Township	05
Legal Section	37
Legal Subdivision	FLEMING OAKS
Legal Lot Number	9
Legal Unit	5
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	3
Census Block	3023
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
Co-owner	Co-owner on Record
Mailing Address	6540 BAHAIA RD, FLEMING ISLAND, FL 32003-4533
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2023	Intrafamily Transfer, Transfer
Sep 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	Oct 20, 2003
Last Transfer Date	Jun 16, 2023
Transfer Doc	0047291401
Record Updated	Jun 8, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY FL
Recording Date	Jun 16, 2023
Property Address	6540 BAHAIA RD, FLEMING ISLAND, FL 32003-4533
Document Number	0047291401
Book / Page	4729 / 1401
Map Reference	MB 15 PG 15-17
Instrument Date	Jun 7, 2023
Instrument	2023029737
Transaction Type	Transfer
Record Updated	Jul 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6540 BAHAIA RD, FLEMING ISLAND, FL 32003-4533

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6540 BAHAIA RD, FLEMING ISLAND, FL 32003-4533

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	6540 BAHAIA RD, FLEMING ISLAND, FL 32003-4533
Transaction Type	Mortgage
Record Updated	Sep 16, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045051027
Date	Sep 7, 2021
Book Page	4505/1027
Instrument	2021056023

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	6540 BAHAIA RD, FLEMING ISLAND, FL 32003-4533
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039950744
Date	Jul 24, 2017
Book Page	3995/0744
Instrument	2017037256

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	TAMPA, FL 33607

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

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	$1,444.00 (-12.59%) Homeowner's exemption Widower's exemption	$139,824 (+5.99%)	$306,363 (+2.57%) Land $70,000 Building $236,363
2023	$1,652.00 (+6.51%) Homeowner's exemption Widower's exemption	$131,927 (+3%)	$298,683 (+11.13%) Land $70,000 Building $228,683
2022	$1,551.00 Homeowner's exemption Widower's exemption	$128,085	$268,766 Land $70,000 Building $198,766

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 81 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	81 in force
Nearby Flood Claims	47 (1992–2022)
Claims Outside the SFHA	24 of 47
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Irma, Sep 2017 · 25 claims Tropical Storm Debby, Jul 2012 · 2 claims Hurricane Frances, Sep 2004 · 12 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 65% of the US · lower than 91% 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.

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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