874 Clay St, Fleming Island, FL 32003 Property Records

Clay County property record for 874 Clay St, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,492 sqft · built 2013
Lot Size	0.169 acres (7,380 sqft)
Owner	2 Individual Names on Record
Last Sale	$191,000 (May 2017)
Tax Bill	$2,466 (2025)
Deeds & Mortgages	May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-05-26-014803-000-00`

Property Details

APN / Parcel Number

Primary APN	`38-05-26-014803-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,492 sqft Heated Area
Gross Area	2,310 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,380 sqft (0.169 acres)
Lot Dimensions	123 ft deep x 60 ft wide
Garage Area	484 sqft
Porch	Porch
Porch Area	334 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	874 CLAY ST
City	FLEMING ISLAND
State	FL
Zip	32003-9307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK 3 FLEMING ISLAND ESTATES AS REC O R 3970 PG 674
Legal Range	26
Legal Township	05
Legal Section	38
Legal Subdivision	FLEMING ISLAND ESTATES
Legal Block	3
Legal Lot Number	3 4
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2022
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	2 Individual Names on Record
Mailing Address	874 CLAY ST, FLEMING ISLAND, FL 32003-9307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2017 · Amount on Record
Deed Sale	May 5, 2017 · Amount on Record
Prior Sale	Jun 4, 2013 · Amount on Record
Deed Document Number	2017022988
Deed Book / Page	3970 / 0674
Record Updated	Jun 8, 2026

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	May 5, 2017
Property Address	874 CLAY ST, FLEMING ISLAND, FL 32003-9307
Document Number	0039700674
Book / Page	003970 / 000674
Instrument Date	Apr 28, 2017
Instrument	22988
Transaction Type	Transfer
Record Updated	Aug 20, 2018
Title Company	DREAM FINDERS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,337.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2285 MARSH HAWK LN #102 FLEMING ISLAND FL 320036364, 102, FLEMING ISLAND, FL 32003-6364

Mortgage

Document Number	39700678
Date	May 5, 2017
Book Page	003970/000678
Instrument	22991

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 4, 2047

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	$2,466.00 (-5.73%) Homeowner's exemption	$201,866 (+5.99%)	$282,652 (-4.35%) Land $50,000 Building $232,652
2023	$2,616.00 (+7.97%) Homeowner's exemption	$190,464 (+3%)	$295,521 (+24.13%) Land $50,000 Building $245,521
2022	$2,423.00 Homeowner's exemption	$184,917	$238,067 Land $30,000 Building $208,067

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 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