815 Florida St, Fleming Island, FL 32003 Property Records

Clay County property record for 815 Florida St, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,695 sqft · built 2006
Lot Size	0.168 acres (7,361 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Apr 2021)
Tax Bill	$3,212 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`38-05-26-014892-001-00`

Property Details

APN / Parcel Number

Primary APN	`38-05-26-014892-001-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,695 sqft Heated Area
Gross Area	2,258 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,361 sqft (0.168 acres)
Lot Dimensions	123 ft deep x 60 ft wide
Garage Area	418 sqft
Porch	Porch
Porch Area	65 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	815 FLORIDA ST
City	FLEMING ISLAND
State	FL
Zip	32003-4546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 26 BLK 12 FLEMING ISLAND ESTATES AS REC O R 4443 PG 479
Legal Range	26
Legal Township	05
Legal Section	38
Legal Subdivision	FLEMING ISLAND ESTATES
Legal Block	12
Legal Lot Number	26
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2025
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	815 FLORIDA ST, FLEMING ISLAND, FL 32003-4546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 14, 2021	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Jan 27, 2017	Warranty Deed, Transfer · Conventional with PMI EVERBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2021 · Amount on Record
Deed Sale	Apr 14, 2021 · Amount on Record
Prior Sale	Jan 27, 2017 · Amount on Record
Deed Document Number	2021022968
Deed Book / Page	4443 / 479
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	815 FLORIDA ST, FLEMING ISLAND, FL 32003-4546
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 FLORIDA ST, FLEMING ISLAND, FL 32003-4546

Mortgage

Document Number	0046380605
Date	Aug 11, 2022
Book Page	4638/605
Instrument	2022049240

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	May 1, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Apr 14, 2021
Property Address	815 FLORIDA ST, FLEMING ISLAND, FL 32003-4546
Document Number	0044430479
Book / Page	4443 / 479
Map Reference	MB 4 PG 61&62
Instrument Date	Apr 8, 2021
Instrument	2021022968
Transaction Type	Transfer
Record Updated	Feb 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	575 OAKLEAF PLANTATION, 575, JACKSONVILLE, FL 32206

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 FLORIDA ST, FLEMING ISLAND, FL 32003-4546

Mortgage

Document Number	0004443481
Date	Apr 14, 2021
Instrument	4443/481

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jan 27, 2017
Property Address	815 FLORIDA ST, FLEMING ISLAND, FL 32003-4546
Document Number	0039382071
Book / Page	003938 / 002071
Instrument Date	Jan 27, 2017
Instrument	4657
Transaction Type	Transfer
Record Updated	May 23, 2017
Title Company	GLOBAL TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,208.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	815 FLORIDA ST FLEMING ISLAND FL 320034546, FLEMING ISLAND, FL 32003-4546

Mortgage

Document Number	39382073
Date	Jan 27, 2017
Book Page	003938/002073
Instrument	4658

Lender

Name	EVERBANK
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2047

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	$3,212.00 (-3.17%) Homeowner's exemption	$250,799 (+5.99%)	$270,236 (-5.4%) Land $50,000 Building $220,236
2023	$3,317.00 (+6.83%) Homeowner's exemption	$236,633 (+3%)	$285,651 (+24.34%) Land $50,000 Building $235,651
2022	$3,105.00 Homeowner's exemption	$229,741 Land $30,000 Building $199,741	$229,741 Land $30,000 Building $199,741

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
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	0.01% annual chance
Exposure	Indirect within ember reach

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 210 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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