704 River Rd, Orange Park, FL 32073 Property Records

Clay County property record for 704 River Rd, Orange Park, FL 32073

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,876 sqft · built 1964
Lot Size	1.25 acres (54,450 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Nov 2016)
Tax Bill	$7,450 (2025)
Deeds & Mortgages	May 2021 Mortgage Feb 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`50-04-26-018522-000-00`

Property Details

APN / Parcel Number

Primary APN	`50-04-26-018522-000-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,876 sqft Heated Area
Gross Area	4,069 sqft
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	54,450 sqft (1.25 acres)
Lot Dimensions	450 ft deep x 121 ft wide
Garage Area	638 sqft

Exterior Amenities

Pool Area	392 sqft
Porch	Porch
Porch Area	523 sqft
Fence	Fence
Storage Building	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	704 RIVER RD
City	ORANGE PARK
State	FL
Zip	32073-3140
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	PT OF LOT 23 SEC 1 O.P. AS RECO R 3912 PG 1999
Legal Range	26
Legal Township	04
Legal Section	50
Legal Subdivision	ORANGE PARK SEC 01
Legal Lot Number	23
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2011
Census Tract	30600

Owner

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

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

Owner of Record	2 Individual Names on File
Mailing Address	704 RIVER RD, ORANGE PARK, FL 32073-3140
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Feb 5, 2018	Deed of Trust, Mortgage · Line of Credit VYSTAR CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 3, 2016 · Amount on Record
Deed Sale	Nov 3, 2016 · Amount on Record
Deed Document Number	2016054406
Deed Book / Page	3912 / 1999
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	704 RIVER RD, ORANGE PARK, FL 32073-3140
Transaction Type	Mortgage
Record Updated	May 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 RIVER RD, ORANGE PARK, FL 32073-3140

Mortgage

Document Number	0044571150
Date	May 17, 2021
Book Page	4457/1150
Instrument	2021030606

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2041

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	704 RIVER RD, ORANGE PARK, FL 32073-3140
Document Number	0040550651
Book / Page	004055 / 000651
Instrument Date	Feb 5, 2018
Transaction Type	Mortgage
Record Updated	Feb 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	704 RIVER RD ORANGE PARK FL 320733140, ORANGE PARK, FL 32073-3140

Mortgage

Document Number	0040550651
Date	Feb 12, 2018
Book Page	004055/000651
Instrument	7435

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 11, 2028

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Clay County
Municipality	Orange Park Town
Unified School District	Clay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,450.00 (+6.83%) Homeowner's exemption	$452,357 (+5.99%)	$705,067 (+17.08%) Land $487,025 Building $218,042
2023	$6,974.00 (+2.39%) Homeowner's exemption	$426,805 (+3%)	$602,211 (+5.54%) Land $389,620 Building $212,591
2022	$6,811.00 Homeowner's exemption	$414,374	$570,610 Land $389,620 Building $180,990

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 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	5 (2004–2017)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 2 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 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF ORANGE PARK serves 8,668 people · EPA ID FL2101182
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	11 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Intermediate Holdings Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile USA, Verizon.

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