865 Ebb Tide Dr, Fleming Island, FL 32003 Property Records

Clay County property record for 865 Ebb Tide Dr, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,596 sqft · built 2015
Lot Size	0.42 acres (18,295 sqft)
Owner	Individual Name on Record
Tax Bill	$4,868 (2025)
Deeds & Mortgages	Jul 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`38-05-26-014770-006-00`

Property Details

APN / Parcel Number

Primary APN	`38-05-26-014770-006-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,596 sqft Living Area
Gross Area	3,025 sqft
1st Floor Area	2,596 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	18,295 sqft (0.42 acres)
Lot Dimensions	122 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	429 sqft

Exterior Amenities

Pool Area	540 sqft
Porch	Finished/Open Porch
Porch Area	480 sqft
Canopy	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	865 EBB TIDE DR
City	FLEMING ISLAND
State	FL
Zip	32003-9313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 RIVER ISL ESTATES A/K/A PT OF LOT 4 FLOYD DIV FLEMINGISL GRANT AS REC OR 309 PG 26
Legal Range	26E
Legal Township	05S
Legal Section	38
Legal Subdivision	FLOYD DIV FLEMINGISL GRANT
Legal Lot Number	7,4
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2012
Census Tract	30701

Owner

Source: Clay County records, as of December 3, 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
Mailing Address	865 EBB TIDE DR, FLEMING ISLAND, FL 32003-9313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 3, 2014
Transfer Doc	0036491650
Record Updated	Jun 8, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	865 EBB TIDE DR, FLEMING ISLAND, FL 32003-9313
Document Number	0041100672
Instrument Date	Jul 20, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	865 EBB TIDE DR FLEMING ISLAND FL 320039313, FLEMING ISLAND, FL 32003-9313

Mortgage

Document Number	0041100672
Date	Aug 3, 2018
Book Page	004110/000672
Instrument	40547

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 2, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Clay County assessment roll, as of December 3, 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	$4,868.00 (+4.76%) Homeowner's exemption	$359,315 (+5.99%)	$668,308 (+2.69%) Land $75,000 Building $593,308
2024	$4,647.00 (-4.62%)
2023	$4,872.00 (+12.28%) Homeowner's exemption	$339,019 (+9.08%)	$650,771 (+14.91%) Land $65,000 Building $585,771
2022	$4,339.00 Homeowner's exemption	$310,796	$566,337 Land $65,000 Building $501,337

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	0.02% annual chance
Exposure	Direct burnable vegetation

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