Clay County property record for 89 Old Hard Rd, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,307 sqft · built 2021 |
| Lot Size | 1.04 acres (45,477 sqft) |
| Owner | Individual Name on File |
| Last Sale | $115,100 (May 2018) |
| Tax Bill | $10,795 (2025) |
| Deeds & Mortgages | May 2020 Construction Loan May 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-05-26-014237-001-00 |
| Primary APN | 06-05-26-014237-001-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 3,307 sqft Living Area |
| Gross Area | 4,156 sqft |
| 1st Floor Area | 3,307 sqft |
| Flooring | Wood |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 45,477 sqft (1.04 acres) |
| Garage Type | Attached |
| Garage Area | 849 sqft |
| Porch | Finished/Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 89 OLD HARD RD |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-7905 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF E1/2 OF NE1/4 S6T5R26 AS REC OR 4085 PG 1327 |
| Legal Range | 26E |
| Legal Township | 05S |
| Legal Section | 06 |
| Legal Tract | 3 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 30707 |
89 Old Hard Rd is owned and occupied by an individual who bought it in May 2018.
Source: Clay County records, as of December 3, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 89 OLD HARD RD, FLEMING ISLAND, FL 32003-7905 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 11, 2020 | Deed of Trust, Mortgage · Construction Mortgage REGIONS BANK |
| May 21, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 21, 2018 · Amount on File |
| Deed Sale | May 21, 2018 · Amount on File |
| Deed Document Number | 201825866 |
| Deed Book / Page | 4085 / 1327 |
| Prior Transfer Date | Apr 10, 2018 |
| Prior Transfer Doc | 0040721781 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 89 OLD HARD RD, FLEMING ISLAND, FL 32003-7905 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0043060845 |
|---|---|
| Date | May 11, 2020 |
| Book Page | 4306/845 |
| Instrument | 2020023009 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | May 21, 2018 |
| Property Address | 89 OLD HARD RD, FLEMING ISLAND, FL 32003-7905 |
| Document Number | 0040851327 |
| Book / Page | 004085 / 001327 |
| Instrument Date | May 21, 2018 |
| Instrument | 25866 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $805.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3155 CREIGHTON FOREST DR FLEMING ISLAND FL 320037449, FLEMING ISLAND, FL 32003-7449 |
The 2025 property tax bill for 89 Old Hard Rd was $10,795 with a homeowner's exemption, up 4.6% 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 | $10,795.00 (+4.62%) Homeowner's exemption | $747,937 | $935,330 Land $78,300 Building $857,030 |
| 2024 | $10,318.00 (-1.17%) | ||
| 2023 | $10,440.00 (-6.51%) Homeowner's exemption | $705,689 (-7.09%) | $872,559 (+11.98%) Land $78,300 Building $794,259 |
| 2022 | $11,167.00 Homeowner's exemption | $759,530 | $779,226 Land $78,300 Building $700,926 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 89 Old Hard Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
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 90 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 90 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 89 Old Hard Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 59 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| IQ Fiber Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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