845 Live Oak Ln, Fleming Island, FL 32003 Property Records

Clay County property record for 845 Live Oak Ln, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,602 sqft · built 1989
Lot Size	0.372 acres (16,247 sqft)
Owner	Individual Name on File
Last Sale	$267,000 (Aug 2005)
Tax Bill	$2,545 (2025)
Deeds & Mortgages	May 2022 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-05-26-014765-002-00`

Property Details

APN / Parcel Number

Primary APN	`38-05-26-014765-002-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,602 sqft Heated Area
Gross Area	3,510 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,247 sqft (0.372 acres)
Lot Dimensions	179 ft deep x 91 ft wide
Garage Type	Carport
Garage Area	595 sqft
Carport	Carport
Porch	Porch
Porch Area	313 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	845 LIVE OAK LN
City	FLEMING ISLAND
State	FL
Zip	32003-9381
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Description	LOT 15 HIBERNIA FOREST UNIT 3AS REC O R 2583 PG 1642
Legal Range	26
Legal Township	05
Legal Section	38
Legal Subdivision	HIBERNIA FOREST
Legal Lot Number	15
Legal Unit	3AS
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2001
Census Tract	30701

Owner

845 Live Oak Ln is owned and occupied by an individual who bought it in August 2005.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	845 LIVE OAK LN, FLEMING ISLAND, FL 32003-9381
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2005 · Amount on File
Deed Sale	Aug 19, 2005 · Amount on File
Deed Document Number	2005060151
Deed Book / Page	2583 / 1642
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	845 LIVE OAK LN, FLEMING ISLAND, FL 32003-9381
Transaction Type	Mortgage
Record Updated	May 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	485 OAK DR S LIVE, FLEMING ISLAND, FL 32003-8777

Mortgage

Document Number	0046041377
Date	May 5, 2022
Book Page	4604/1377
Instrument	2022028861

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 845 Live Oak Ln was $2,545 with a homeowner's exemption.

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	$2,545.00 Homeowner's exemption	$207,009	$384,597 Land $75,000 Building $309,597
2023	$2,690.00 (+7.82%) Homeowner's exemption	$195,316 (+3%)	$376,695 (+9.92%) Land $65,000 Building $311,695
2022	$2,495.00 Homeowner's exemption	$189,628	$342,714 Land $65,000 Building $277,714

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

Flood

FEMA maps place 845 Live Oak Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 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 845 Live Oak Ln is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond 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 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