870 Fleming St, Fleming Island, FL 32003 Property Records

Clay County property record for 870 Fleming St, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,239 sqft · built 2000
Lot Size	0.182 acres (7,971 sqft)
Owner	Individual Name on File
Last Sale	$360,500 (Jul 2023)
Tax Bill	$5,517 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-05-26-014832-000-00`

Property Details

APN / Parcel Number

Primary APN	`38-05-26-014832-000-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,239 sqft Heated Area
Gross Area	3,139 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,971 sqft (0.182 acres)
Garage Type	Carport
Carport	Carport
Carport Area	240 sqft
Porch	Porch
Porch Area	780 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	870 FLEMING ST
City	FLEMING ISLAND
State	FL
Zip	32003-9342
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 & 2 BLK 9 FLEMING ISLANDESTATES AS REC O R 4742 PG 900
Legal Range	26
Legal Township	05
Legal Section	38
Legal Subdivision	FLEMING ISLANDESTATES
Legal Block	9
Legal Lot Number	1,2 2
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2023
Census Tract	30701

Owner

Source: Clay County assessment roll, as of July 1, 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 File
Mailing Address	870 FLEMING ST, FLEMING ISLAND, FL 32003-9342
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 27, 2023 · Amount on Record
Deed Sale	Jul 27, 2023 · Amount on Record
Deed Document Number	2023037697
Deed Book / Page	4742 / 900
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jul 27, 2023
Property Address	870 FLEMING ST, FLEMING ISLAND, FL 32003-9342
Document Number	0047420900
Book / Page	4742 / 900
Map Reference	MB 4 PG 61&62
Instrument Date	Jul 26, 2023
Instrument	2023037697
Transaction Type	Transfer
Record Updated	Aug 18, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,523.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	870 FLEMING ST, FLEMING ISLAND, FL 32003-9342

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	870 FLEMING ST, FLEMING ISLAND, FL 32003-9342

Mortgage

Document Number	0004742902
Date	Jul 27, 2023
Instrument	4742/902

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

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	$5,517.00 (+164.73%)	$361,754 (+132.79%) Land $100,000 Building $261,754	$361,754 (-5.04%) Land $100,000 Building $261,754
2023	$2,084.00 (+9.4%) Homeowner's exemption	$155,397 (+3%)	$380,967 (+27.64%) Land $100,000 Building $280,967
2022	$1,905.00 Homeowner's exemption	$150,871	$298,464 Land $60,000 Building $238,464

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

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 USA Fixed Wireless	100 / 20