Clay County property record for 822 Clay St, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,572 sqft · built 1980 |
| Lot Size | 0.338 acres (14,723 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,100 (Nov 2018) |
| Tax Bill | $4,243 (2025) |
| Deeds & Mortgages | Nov 2018 Mortgage Nov 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 38-05-26-014791-000-00 |
| Primary APN | 38-05-26-014791-000-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,572 sqft Living Area |
| Gross Area | 1,812 sqft |
| 1st Floor Area | 1,572 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 14,723 sqft (0.338 acres) |
| Lot Dimensions | 123 ft deep x 120 ft wide |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 108 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 822 CLAY ST |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-9307 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 12 & 13 BLK 2 FLEMING ISL ESTATES AS REC OR 4142 PG 1520 |
| Legal Range | 26E |
| Legal Township | 05S |
| Legal Section | 38 |
| Legal Subdivision | FLEMING ISL ESTATES |
| Legal Block | 2 |
| Legal Lot Number | 12,13 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 30701 |
822 Clay St is owned by an individual who bought it in November 2018.
Source: Clay County records, as of December 3, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 287 N RIDGE DR, FLEMING ISLAND, FL 32003-8146 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 20, 2018 | Deed of Trust, Mortgage · Conventional with PMI USAA |
| Nov 20, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 20, 2018 · Amount on File |
| Deed Sale | Nov 20, 2018 · Amount on File |
| Prior Sale | Dec 15, 2006 · Amount on File |
| Deed Document Number | 201860656 |
| Deed Book / Page | 4142 / 1520 |
| Prior Transfer Date | Feb 3, 2006 |
| Prior Transfer Doc | 0026820772 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 822 CLAY ST, FLEMING ISLAND, FL 32003-9307 |
| Document Number | 0041421522 |
| Instrument Date | Nov 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 922 ROLLING HILLS CV WILMINGTON NC 284096938, WILMINGTON, NC 28409-6938 |
| Document Number | 0041421522 |
|---|---|
| Date | Nov 20, 2018 |
| Book Page | 004142/001522 |
| Instrument | 60657 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 19, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Nov 20, 2018 |
| Property Address | 822 CLAY ST, FLEMING ISLAND, FL 32003-9307 |
| Document Number | 0041421520 |
| Book / Page | 004142 / 001520 |
| Instrument Date | Nov 20, 2018 |
| Instrument | 60656 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,400.70 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 822 CLAY ST FLEMING ISLAND FL 320039307, FLEMING ISLAND, FL 32003-9307 |
The 2025 property tax bill for 822 Clay St was $4,243, up 105.8% from the year before.
Source: Clay County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,243.00 (+105.77%) | $278,217 Land $100,000 Building $178,217 | $278,217 Land $100,000 Building $178,217 |
| 2024 | $2,062.00 (-11.65%) | ||
| 2023 | $2,334.00 (+8.61%) Homeowner's exemption | $171,861 (+3%) | $289,189 (+30.97%) Land $100,000 Building $189,189 |
| 2022 | $2,149.00 Homeowner's exemption | $166,856 | $220,806 Land $60,000 Building $160,806 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 822 Clay St in Zone X, an area of minimal flood risk, though there have been 57 flood claims nearby since 1980.
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 File 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 |
|
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 risk around 822 Clay St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 215 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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