791 Fleming St, Fleming Island, FL 32003 Property Records

Clay County property record for 791 Fleming St, Fleming Island, FL 32003 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,853 sqft · built 2024
Owner	2 Individual Names on File
Tax Bill	$5,147 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Dec 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`38-05-26-014790-001-01`

Property Details

APN / Parcel Number

Primary APN	`38-05-26-014790-001-01`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,853 sqft Living Area
Gross Area	2,252 sqft
1st Floor Area	1,853 sqft
Flooring	Tile

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Roof Type	Gable/Hip
Roof Material	Other
Lot Dimensions	123 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	399 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	791 FLEMING ST
City	FLEMING ISLAND
State	FL
Zip	32003-9341
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 24 BLK 2 FLEMING ISL ESTATES AS REC OR 4890 PG 790
Legal Subdivision	FLEMING ISL ESTATES
Legal Block	2
Legal Lot Number	24
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2011
Census Tract	30701

Owner

Source: Clay County records · APN 38-05-26-014790-001-01

Assessment roll updated December 3, 2025 · Last verified August 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 File
Mailing Address	791 S FLEMING ST, SEBASTIAN, FL 32958-5016
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2026	Deed of Trust, Mortgage · Partial Claim Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Dec 31, 2024	Warranty Deed, Subdivision Related Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Feb 12, 2024	Warranty Deed, Transfer REALTY TITLE INC
Feb 12, 2024	Correction Deed REALTY TITLE INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 31, 2024
Deed Sale	Dec 31, 2024
Deed Document Number	202459857
Deed Book / Page	4890 / 790
Prior Transfer Date	Feb 08, 2024
Prior Transfer Doc	0047941152
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	791 FLEMING ST, FLEMING ISLAND, FL 32003-9341
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	791 FLEMING ST, FLEMING ISLAND, FL 32003-9341

Mortgage

Document Number	0050231418
Date	Mar 16, 2026
Book Page	5023/1418
Instrument	2026011938

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Partial Claim Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Jan 01, 2055

December 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Dec 31, 2024
Property Address	791 FLEMING ST, FLEMING ISLAND, FL 32003-9341
Document Number	0048900790
Book / Page	4890 / 790
Map Reference	MB 4 PG 61
Instrument Date	Dec 30, 2024
Instrument	2024059857
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 19, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,572.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13245 ATLANTIC BLVD # 4332, 4332, JACKSONVILLE, FL 32225-7121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	791 FLEMING ST, FLEMING ISLAND, FL 32003-9341

Mortgage

Document Number	2024059858
Date	Dec 31, 2024
Instrument	2024059858

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2055

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Feb 12, 2024
Property Address	791 FLEMING ST, FLEMING ISLAND, FL 32003-9341
Document Number	0047941155
Book / Page	4794 / 1155
Map Reference	MB 4 PG 61
Instrument Date	Feb 09, 2024
Instrument	2024006671
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	REALTY TITLE INC

Transaction

Amount	Amount Recorded
Tax	$430.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	116 N ORANGE AVE, GREEN COVE SPRINGS, FL 32043-3404

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13245 ATLANTIC BLVD # 4332, 4332, JACKSONVILLE, FL 32225-7121
Investor	Possibly a Property Investor

February 2024: Correction Deed

Document Type	Correction Deed
Jurisdiction	CLAY FL
Recording Date	Feb 12, 2024
Property Address	791 FLEMING ST, FLEMING ISLAND, FL 32003-9341
Document Number	0047941152
Book / Page	4794 / 1152
Map Reference	MB 4 PG 61
Instrument Date	Feb 08, 2024
Instrument	2024006670
Record Updated	Dec 19, 2025
Title Company	REALTY TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	785 FLEMING ST, FLEMING ISLAND, FL 32003-9341

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	116 NORTH ORANGE AVE, FLEMING ISLAND, FL 32003

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated December 3, 2025 · Last verified August 2026

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	$5,147.00 (+586.27%)	$337,486 (+574.97%) Land $50,000 Building $287,486	$337,486 (+574.97%) Land $50,000 Building $287,486
2024	$750.00 (-1.19%)
2023	$759.00	$50,000 Land $50,000	$50,000 Land $50,000

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
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 32% of the US · above 8% of Florida
Wildfire Likelihood	About 1 in 4,762 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 215 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
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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