839 Florida St, Fleming Island, FL 32003 Property Records

Clay County property record for 839 Florida St, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 984 sqft · built 1990
Lot Size	0.337 acres (14,723 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Nov 2019)
Tax Bill	$1,406 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-05-26-014891-000-00`

Property Details

APN / Parcel Number

Primary APN	`38-05-26-014891-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	984 sqft Heated Area
Gross Area	1,182 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,723 sqft (0.337 acres)
Lot Dimensions	123 ft deep x 120 ft wide
Garage Area	360 sqft
Deck Area	100 sqft
Patio Area	172 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	839 FLORIDA ST
City	FLEMING ISLAND
State	FL
Zip	32003-4546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23 & 24 BLK 12 FLEMING ISLESTATES AS REC O R 4251 PG 1059
Legal Range	26
Legal Township	05
Legal Section	38
Legal Subdivision	FLEMING ISLESTATES
Legal Block	12
Legal Lot Number	23,24 24
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2025
Census Tract	30701

Owner

839 Florida St is owned and occupied by an individual who bought it in November 2019.

Source: Clay County records, as of December 18, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	839 FLORIDA ST, FLEMING ISLAND, FL 32003-4546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUSTLINE MORTGAGE INC
Nov 14, 2019	Warranty Deed, Transfer OAKES COLLENE & GLEN L/TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2019 · Amount on File
Deed Sale	Nov 14, 2019 · Amount on File
Prior Sale	Oct 17, 2016 · Amount on File
Deed Document Number	2019061041
Deed Book / Page	4251 / 1059
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	839 FLORIDA ST, FLEMING ISLAND, FL 32003-4546
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043331245
Date	Jul 27, 2020
Book Page	4333/1245
Instrument	2020037210

Lender

Name	TRUSTLINE MORTGAGE INC
Type	Mortgage Company
Address	JACKSONVILLE, FL 32257

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Nov 14, 2019
Property Address	839 FLORIDA ST, FLEMING ISLAND, FL 32003-4546
Document Number	0042511059
Book / Page	004251 / 001059
Instrument Date	Oct 25, 2019
Instrument	61041
Transaction Type	Transfer
Record Updated	Nov 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,015.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	839 FLORIDA ST FLEMING ISLAND FL 320034546, FLEMING ISLAND, FL 32003-4546

Mortgage

Document Number	42511061
Date	Nov 14, 2019
Book Page	004251/001061
Instrument	61042

Lender

Name	OAKES COLLENE & GLEN L/TRUST
Address	FLEMING ISLAND, FL 32003

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 839 Florida St was $1,406 with exemptions applied.

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	$1,406.00 Homeowner's exemption Widower's exemption	$137,381	$195,335 Land $100,000 Building $95,335
2023	$1,617.00 (+6.59%) Homeowner's exemption Widower's exemption	$129,622 (+3%)	$202,472 (+36.48%) Land $100,000 Building $102,472
2022	$1,517.00 Homeowner's exemption Widower's exemption	$125,847	$148,351 Land $60,000 Building $88,351

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 839 Florida 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	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

Wildfire risk around 839 Florida St is low, with a 0.01% annual chance of 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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