Clay County property record for 889 Clay St, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,918 sqft · built 2015 |
| Lot Size | 0.523 acres (22,789 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $412,500 (Sep 2018) |
| Tax Bill | $6,791 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit Sep 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 38-05-26-014772-028-00 |
| Primary APN | 38-05-26-014772-028-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,918 sqft Living Area |
| Gross Area | 3,839 sqft |
| 1st Floor Area | 2,918 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 22,789 sqft (0.523 acres) |
| Garage Type | Attached |
| Garage Area | 921 sqft |
| Pool Area | 592 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 764 sqft |
| Patio Area | 304 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 889 CLAY ST |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-9307 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF LOTS 4 & 5 A/K/A LOT 28FLOYD DIV FLEMING GRANT AS REC OR 4125 PG 582 |
| Legal Range | 26E |
| Legal Township | 05S |
| Legal Section | 38 |
| Legal Subdivision | DIV FLEMING GRANT |
| Legal Lot Number | 4,28 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 30701 |
889 Clay St is owned and occupied by two individuals who bought it in September 2018.
Source: Clay County records, as of December 3, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 889 CLAY ST, FLEMING ISLAND, FL 32003-9307 |
| 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.
| Date | Document |
|---|---|
| Apr 18, 2022 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Sep 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CF BANK |
| Nov 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CFBANK NA |
| Oct 16, 2019 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Sep 20, 2018 | Warranty Deed, Transfer · Conventional Mortgage FIDELITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 20, 2018 · Amount on File |
| Deed Sale | Sep 20, 2018 · Amount on File |
| Prior Sale | Jul 10, 2013 · Amount on File |
| Deed Document Number | 201849707 |
| Deed Book / Page | 4125 / 582 |
| Prior Transfer Date | Oct 5, 2009 |
| Prior Transfer Doc | 0031511931 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 889 CLAY ST, FLEMING ISLAND, FL 32003-9307 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2022 |
| Name | Verified Name |
|---|---|
| Address | 889 CLAY ST, FLEMING ISLAND, FL 32003-9307 |
| Document Number | 0045970398 |
|---|---|
| Date | Apr 18, 2022 |
| Book Page | 4597/398 |
| Instrument | 2022024481 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 25, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 889 CLAY ST, FLEMING ISLAND, FL 32003-9307 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2021 |
| Name | Verified Name |
|---|---|
| Address | 889 CLAY ST, FLEMING ISLAND, FL 32003-9307 |
| Document Number | 0045031586 |
|---|---|
| Date | Sep 2, 2021 |
| Book Page | 4503/1586 |
| Instrument | 2021055145 |
| Name | CF BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 889 CLAY ST, FLEMING ISLAND, FL 32003-9307 |
| Document Number | 0043811786 |
| Instrument Date | Nov 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 889 CLAY ST FLEMING ISLAND FL 320039307, FLEMING ISLAND, FL 32003-9307 |
| Document Number | 0043811786 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 004381/001786 |
| Instrument | 62193 |
| Name | CFBANK NA |
|---|---|
| Address | WORTHINGTON, OH 43085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 29, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 889 CLAY ST, FLEMING ISLAND, FL 32003-9307 |
| Document Number | 0042432186 |
| Instrument Date | Oct 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 889 CIAY ST FLEMING ISLAND FL 32003, FLEMING ISLAND, FL 32003 |
| Document Number | 0042432186 |
|---|---|
| Date | Oct 22, 2019 |
| Book Page | 004243/002186 |
| Instrument | 56502 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 21, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Sep 20, 2018 |
| Property Address | 889 CLAY ST, FLEMING ISLAND, FL 32003-9307 |
| Document Number | 0041250582 |
| Book / Page | 4125 / 0582 |
| Instrument Date | Sep 17, 2018 |
| Instrument | 2018049707 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 889 CLAY ST, 889, FLEMING ISLAND, FL 32003-9307 |
| Name | Verified Name |
|---|---|
| Address | 1435 MAHAMA BLUFF RD, GREEN COVE SPRINGS, FL 32043-9324 |
| Document Number | 2018049708 |
|---|---|
| Date | Sep 20, 2018 |
| Instrument | 2018049708 |
| Name | FIDELITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2048 |
The 2025 property tax bill for 889 Clay St was $6,791 with a homeowner's exemption, up 4.7% from the year before.
Source: Clay County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,791.00 (+4.69%) Homeowner's exemption | $485,390 | $681,725 Land $75,000 Building $606,725 |
| 2024 | $6,487.00 (-2.86%) | ||
| 2023 | $6,678.00 (+10.03%) Homeowner's exemption | $457,972 (+7.88%) | $662,634 (+14.91%) Land $65,000 Building $597,634 |
| 2022 | $6,069.00 Homeowner's exemption | $424,517 | $576,668 Land $65,000 Building $511,668 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 889 Clay St in Zone X, an area of minimal flood risk, though there have been 57 flood claims nearby since 1980.
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 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 |
|
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 risk around 889 Clay St is low, with a 0.02% annual chance of 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures