7685 River Ave, Fleming Island, FL 32003 Property Records

Clay County property record for 7685 River Ave, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,507 sqft · built 2002
Lot Size	0.189 acres (8,232 sqft)
Owner	2 Individual Names on Record
Last Sale	$570,000 (Jan 2026)
Tax Bill	$5,395 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Jun 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`38-05-26-014856-000-00`

Property Details

APN / Parcel Number

Primary APN	`38-05-26-014856-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,507 sqft Living Area
Gross Area	3,155 sqft
1st Floor Area	2,507 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,232 sqft (0.189 acres)
Lot Dimensions	68 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	648 sqft
Porch	Finished/Open Porch
Porch Area	519 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7685 RIVER AVE
City	FLEMING ISLAND
State	FL
Zip	32003-8703
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 & 2 BLK 10 FLEMING ISL ESTATES AS REC OR 1993 PG 1801 & 4092 PG 799
Legal Range	26E
Legal Township	05S
Legal Section	38
Legal Subdivision	FLEMING ISL ESTATES
Legal Block	10
Legal Lot Number	1,2
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2017
Census Tract	30701

Owner

Source: Clay County records, as of April 6, 2026

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 Record
Mailing Address	7685 RIVER AVE, FLEMING ISLAND, FL 32003-8703
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2026	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jun 11, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 26, 2026 · Amount on Record
Deed Sale	Jan 26, 2026 · Amount on Record
Prior Sale	Nov 20, 2001 · Amount on Record
Deed Document Number	20263434
Deed Book / Page	5007 / 1936
Prior Transfer Date	Jun 11, 2018
Prior Transfer Doc	0040920799
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jan 26, 2026
Property Address	7685 RIVER AVE, FLEMING ISLAND, FL 32003-8703
Document Number	0050071936
Book / Page	5007 / 1936
Map Reference	MB 4 PG 61&62
Instrument Date	Jan 8, 2026
Instrument	2026003434
Transaction Type	Transfer
Record Updated	Feb 13, 2026
Title Company	LANDMARK TITLE, LANDMARK TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,990.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2711 SALINA CT, GREEN COVE SPRINGS, FL 32043-7211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7685 RIVER AVE, FLEMING ISLAND, FL 32003-8703

Mortgage

Document Number	0050071938
Date	Jan 26, 2026
Instrument	5007/1938

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY FL
Recording Date	Jun 11, 2018
Property Address	7685 RIVER AVE, FLEMING ISLAND, FL 32003-8703
Document Number	0040920799
Book / Page	004092 / 000799
Instrument Date	Jun 11, 2018
Instrument	29977
Transaction Type	Transfer
Record Updated	Jun 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7685 RIVER AVE GREEN COVE SPRINGS FL 32043, GREEN COVE SPRINGS, FL 32043

Tax Assessment & Valuation

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	$5,395.00 (+4.72%) Homeowner's exemption	$393,892 (+5.99%)	$434,488 (-4.34%) Land $100,000 Building $334,488
2024	$5,152.00 (-4.02%)
2023	$5,368.00 (+5.25%) Homeowner's exemption	$371,643 (+3%)	$454,207 (+25.88%) Land $100,000 Building $354,207
2022	$5,100.00 Homeowner's exemption	$360,819 Land $60,000 Building $300,819	$360,819 Land $60,000 Building $300,819

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 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

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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