7654 River Ave, Fleming Island, FL 32003 Property Records

Clay County property record for 7654 River Ave, Fleming Island, FL 32003 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,048 sqft · built 1957
Lot Size	0.319 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$684,000 (May 2021)
Tax Bill	$6,445 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Nov 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`38-05-26-014784-000-00`

Property Details

APN / Parcel Number

Primary APN	`38-05-26-014784-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,048 sqft Heated Area
Gross Area	2,572 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.319 acres)
Lot Dimensions	215 ft deep x 65 ft wide

Exterior Amenities

Porch	Porch
Porch Area	524 sqft
Deck Area	576 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	7654 RIVER AVE
City	FLEMING ISLAND
State	FL
Zip	32003-8702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 & PT OF LOT 5 BLK 1 FLEMING ISL ESTATES AS REC O R 4462 PG 172
Legal Range	26
Legal Township	05
Legal Section	38
Legal Subdivision	FLEMING ISL ESTATES
Legal Block	1
Legal Lot Number	4,5
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2001
Census Tract	30701

Owner

Source: Clay County records · APN 38-05-26-014784-000-00

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	Individual Name on File
Mailing Address	90 WILLOW LAKE DR, ST AUGUSTINE, FL 32092-9339
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2021	Warranty Deed, Transfer · VA Mortgage BAYWAY MORTGAGE GROUP
Nov 30, 2018	Grant Deed, Transfer BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY
Jul 25, 2018	Trustee's Deed

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 27, 2021 · Amount on Record
Deed Sale	May 27, 2021 · Amount on Record
Prior Sale	Nov 30, 2018 · Amount on Record
Deed Document Number	2021033078
Deed Book / Page	4462 / 172
Record Updated	Jun 08, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	May 27, 2021
Property Address	7654 RIVER AVE, FLEMING ISLAND, FL 32003-8702
Document Number	0044620172
Book / Page	4462 / 172
Map Reference	MB 4 PG 61&62
Instrument Date	May 25, 2021
Instrument	2021033078
Transaction Type	Transfer
Record Updated	Jun 09, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,788.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1615 SILVER LEAF WAY, 1615, FLEMING ISLAND, FL 32003-3773

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7654 RIVER AVE, FLEMING ISLAND, FL 32003-8702

Mortgage

Document Number	4462174
Date	May 27, 2021
Instrument	4462/174

Lender

Name	BAYWAY MORTGAGE GROUP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CLAY FL
Recording Date	Nov 30, 2018
Property Address	7654 RIVER AVE, FLEMING ISLAND, FL 32003-8702
Document Number	0041450088
Book / Page	004145 / 000088
Instrument Date	Nov 08, 2018
Instrument	62092
Transaction Type	Transfer
Record Updated	Dec 14, 2018
Title Company	BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY

Transaction

Amount	Amount Recorded
Tax	$2,100.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1615 SILVER LEAF WAY FLEMING ISLAND FL 320033773, FLEMING ISLAND, FL 32003-3773

July 2018: Trustee's Deed

Document Type	Trustee's Deed
Jurisdiction	CLAY FL
Recording Date	Jul 25, 2018
Property Address	7654 RIVER AVE, FLEMING ISLAND, FL 32003-8702
Document Number	0041070209
Book / Page	004107 / 000209
Instrument Date	Jul 09, 2018
Instrument	38614
Record Updated	Aug 21, 2018

Transaction

Amount	Amount Recorded
Tax	$2,032.80
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	7711 PLANTATION RD ROANOKE VA 240193224, ROANOKE, VA 24019-3224
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Clay County
Unified School District	Clay County School District (PK - 12)

Tax Bill & Assessment History

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	$6,445.00 (+1.43%) Homeowner's exemption	$462,765 (+5.99%)	$586,899 (+13.85%) Land $299,205 Building $287,694
2023	$6,354.00 (+4.85%) Homeowner's exemption	$436,626 (+3%)	$515,485 (+15.62%) Land $239,364 Building $276,121
2022	$6,060.00 Homeowner's exemption	$423,909	$445,859 Land $209,444 Building $236,415

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (12019C), updated July 6, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120190307012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 191 individual NFIP policies nearby
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 Storm	Hurricane Nicole, Nov 2022 · 2 claims Hurricane Irma, Sep 2017 · 38 claims Hurricane Frances, Sep 2004 · 5 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 7% of Florida
Wildfire Likelihood	About 1 in 5,263 per year
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 54 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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