721 Florida St, Fleming Island, FL 32003 Property Records

Clay County property record for 721 Florida St, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,414 sqft · built 1997
Lot Size	0.338 acres (14,723 sqft)
Owner	Individual Name on File
Last Sale	$455,000 (Jul 2021)
Tax Bill	$6,684 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`38-05-26-014899-000-00`

Property Details

APN / Parcel Number

Primary APN	`38-05-26-014899-000-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,414 sqft Living Area
Gross Area	3,834 sqft
1st Floor Area	2,414 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	14,723 sqft (0.338 acres)
Lot Dimensions	123 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	936 sqft
Porch	Finished Screened Porch
Porch Area	658 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	721 FLORIDA ST
City	FLEMING ISLAND
State	FL
Zip	32003-4548
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 38 & 39 BLK 12 FLEMING ISLAND ESTATES AS REC OR 4488 PG 794
Legal Range	26E
Legal Township	05S
Legal Section	38
Legal Subdivision	FLEMING ISLAND ESTATES
Legal Block	12
Legal Lot Number	38,39
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2025
Census Tract	30701

Owner

721 Florida St is owned by an individual who bought it in July 2021.

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

Owner of Record	Individual Name on File
Mailing Address	20990 BANDERA ST, WOODLAND HILLS, CA 91364-4503
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
Jul 28, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND
May 2, 2017	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2021 · Amount on File
Deed Sale	Jul 28, 2021 · Amount on File
Prior Sale	Aug 17, 2005 · Amount on File
Deed Document Number	202146755
Deed Book / Page	4488 / 794
Prior Transfer Date	Jul 18, 2005
Prior Transfer Doc	0025812038
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jul 28, 2021
Property Address	721 FLORIDA ST, FLEMING ISLAND, FL 32003-4548
Document Number	0044880794
Book / Page	4488 / 794
Map Reference	MB 4 PG 61&62
Instrument Date	Jul 26, 2021
Instrument	2021046755
Transaction Type	Transfer
Record Updated	Aug 11, 2021
Title Company	ATTORNEYS TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,185.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1343 JEFFERSON AVED, 1343, ORANGE PARK, FL 32065

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20990 BANDERA ST, WOODLAND HILLS, CA 91364-4503

Mortgage

Document Number	0044880799
Date	Jul 28, 2021
Book Page	4488/799
Instrument	2021046758

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	721 FLORIDA ST, FLEMING ISLAND, FL 32003-4548
Document Number	0039730449
Book / Page	003973 / 000449
Instrument Date	May 2, 2017
Transaction Type	Mortgage
Record Updated	Jul 5, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	721 FLORIDA ST FLEMING ISLAND FL 320034548, FLEMING ISLAND, FL 32003-4548

Mortgage

Document Number	0039730449
Date	May 16, 2017
Book Page	003973/000449
Instrument	24610

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	May 15, 2057

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 721 Florida St was $6,684, down 0.8% 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	$6,684.00 (-0.77%)	$438,278 Land $100,000 Building $338,278	$438,278 Land $100,000 Building $338,278
2024	$6,736.00 (-0.81%)
2023	$6,791.00 (+17.76%)	$459,107 (+25.72%) Land $100,000 Building $359,107	$459,107 (+25.72%) Land $100,000 Building $359,107
2022	$5,767.00	$365,179 Land $60,000 Building $305,179	$365,179 Land $60,000 Building $305,179

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

Flood

FEMA maps place 721 Florida St 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 AE, 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 721 Florida St 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 80% of the US · lower than 93% 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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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