Clay County property record for 656 Frederic Dr, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,995 sqft · built 2000 |
| Lot Size | 0.677 acres (29,533 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $7,678 (2025) |
| Deeds & Mortgages | Mar 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 38-05-26-014705-002-03 |
| Primary APN | 38-05-26-014705-002-03 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 2,995 sqft Heated Area |
| Gross Area | 3,950 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 29,533 sqft (0.677 acres) |
| Lot Dimensions | 308 ft deep x 96 ft wide |
| Garage Area | 535 sqft |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 384 sqft |
| Porch | Porch |
| Porch Area | 420 sqft |
| Patio Area | 323 sqft |
| Boat Access | Boat Access |
| Boat House | 420 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 656 FREDERIC DR |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-4531 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | LOT 3 CYPRESS BANKS AS REC O R1789 PG 933 & 1981 PG 2067 |
| Legal Range | 26 |
| Legal Township | 05 |
| Legal Section | 38 |
| Legal Subdivision | CYPRESS BANKS |
| Legal Lot Number | 3 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 30701 |
Source: Clay County records · APN 38-05-26-014705-002-03
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 656 FREDERIC DR, FLEMING ISLAND, FL 32003-4531 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 08, 2001 |
| Deed Sale | Oct 08, 2001 |
| Deed Document Number | 200147247 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 656 FREDERIC DR, FLEMING ISLAND, FL 32003-4531 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | NONE AVAILABLE. |
| Name | Verified Name |
|---|
| Document Number | 0040670468 |
|---|---|
| Date | Mar 26, 2018 |
| Book Page | 4067/0468 |
| Instrument | 2018014940 |
| Name | SYNOVUS BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, GA 31901 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Clay County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,678.00 (+6.73%) Homeowner's exemption | $543,546 (+10.49%) | $927,427 (+16.56%) Land $514,080 Building $413,347 |
| 2023 | $7,194.00 (+4.61%) Homeowner's exemption | $491,926 (+3%) | $795,671 (+17.58%) Land $411,264 Building $384,407 |
| 2022 | $6,877.00 Homeowner's exemption | $477,599 | $676,698 Land $359,856 Building $316,842 |
Source: FEMA National Flood Hazard Layer as of July 6, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 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 |
|
| Wildfire Risk | Moderate above 43% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 108 locations within half a mile of this property.
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