863 Floyd St, Fleming Island, FL 32003 Property Records

Clay County property record for 863 Floyd St, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,939 sqft · built 2005
Lot Size	0.182 acres (7,971 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Oct 2022)
Tax Bill	$3,861 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-05-26-014855-000-00`

Property Details

APN / Parcel Number

Primary APN	`38-05-26-014855-000-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,939 sqft Heated Area
Gross Area	2,477 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,971 sqft (0.182 acres)
Lot Dimensions	123 ft deep x 65 ft wide
Garage Area	394 sqft
Porch	Porch
Porch Area	64 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	863 FLOYD ST
City	FLEMING ISLAND
State	FL
Zip	32003-8716
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 43 BLK 9 FLEMING ISL ESTATES AS REC O R 4658 PG 1279
Legal Range	26
Legal Township	05
Legal Section	38
Legal Subdivision	FLEMING ISL ESTATES
Legal Block	9
Legal Lot Number	43
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2023
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	863 FLOYD ST, FLEMING ISLAND, FL 32003-8716
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2022 · Amount on Record
Deed Sale	Oct 17, 2022 · Amount on Record
Prior Sale	Dec 30, 2008 · Amount on Record
Deed Document Number	2022061962
Deed Book / Page	4658 / 1279
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Oct 17, 2022
Property Address	863 FLOYD ST, FLEMING ISLAND, FL 32003-8716
Document Number	0046581279
Book / Page	4658 / 1279
Map Reference	MB 4 PG 61
Instrument Date	Oct 13, 2022
Instrument	2022061962
Transaction Type	Transfer
Record Updated	Nov 10, 2022
Title Company	TRADEMARK TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22516 NE 35TH AVE, 22516, MELROSE, FL 32666-6029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 HARDING ST, MILFORD, MA 01757-2232

Mortgage

Document Number	0046581281
Date	Oct 17, 2022
Instrument	4658/1281

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

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	$3,861.00 (-23.38%) Homeowner's exemption	$293,340 (-5.54%) Land $50,000 Building $243,340	$293,340 (-5.54%) Land $50,000 Building $243,340
2023	$5,039.00 (+246.8%)	$310,531 (+156.33%) Land $50,000 Building $260,531	$310,531 (+23.72%) Land $50,000 Building $260,531
2022	$1,453.00 Homeowner's exemption	$121,146	$250,994 Land $30,000 Building $220,994

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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.

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