7706 River Ave, Fleming Island, FL 32003 Property Records

Clay County property record for 7706 River Ave, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,536 sqft · built 1950
Lot Size	0.3 acres (13,111 sqft)
Owner	2 Individual Names on Record
Last Sale	$78,000 (May 1984)
Tax Bill	$1,376 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`38-05-26-014874-000-00`

Property Details

APN / Parcel Number

Primary APN	`38-05-26-014874-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,536 sqft Heated Area
Gross Area	2,900 sqft
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,111 sqft (0.3 acres)
Lot Dimensions	215 ft deep x 61 ft wide
Pool Area	450 sqft
Porch	Porch
Porch Area	364 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	7706 RIVER AVE
City	FLEMING ISLAND
State	FL
Zip	32003-4528
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK 11 FLEMING ISLAND ESTATES AS REC O R 796 PG 455
Legal Range	26
Legal Township	05
Legal Section	38
Legal Subdivision	FLEMING ISLAND ESTATES
Legal Block	11
Legal Lot Number	1
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2001
Census Tract	30701

Owner

Source: Clay County records, as of December 18, 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 Record
Co-owner	Co-owner on Record
Mailing Address	7706 RIVER AVE, FLEMING ISLAND, FL 32003-4528
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2023	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA
Feb 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 4, 2017	Deed of Trust, Mortgage · ARM AMERIS BANK
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 1984 · Amount on Record
Deed Sale	May 1, 1984 · Amount on Record
Deed Document Number	0000796455
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	7706 RIVER AVE, FLEMING ISLAND, FL 32003-4528
Transaction Type	Mortgage
Record Updated	Sep 27, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7706 RIVER AVE, FLEMING ISLAND, FL 32003-4528

Mortgage

Document Number	0047521306
Date	Aug 31, 2023
Book Page	4752/1306
Instrument	2023043865

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	7706 RIVER AVE, FLEMING ISLAND, FL 32003-4528
Transaction Type	Mortgage
Record Updated	Feb 25, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045691613
Date	Feb 9, 2022
Book Page	4569/1613
Instrument	2022009095

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Mar 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	7706 RIVER AVE, FLEMING ISLAND, FL 32003-4528
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040171669
Date	Oct 4, 2017
Book Page	4017/1669
Instrument	2017050440

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Oct 1, 2022
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.12%
Index	1-Year LIBOR
Max Rate	10.1%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	7706 RIVER AVE, FLEMING ISLAND, FL 32003-4528
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043000145
Date	Apr 20, 2020
Book Page	4300/145
Instrument	2020019790

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

Source: Clay County assessment roll, as of July 1, 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	$1,376.00 (-13.62%) Homeowner's exemption	$130,418 (+5.99%)	$374,805 (+19.69%) Land $279,075 Building $95,730
2023	$1,593.00 (+11.63%) Homeowner's exemption	$123,052 (+3%)	$313,140 (+15.72%) Land $223,260 Building $89,880
2022	$1,427.00 Homeowner's exemption	$119,468	$270,592 Land $195,353 Building $75,239

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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