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

Clay County property record for 892 Ebb Tide Dr, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 4,216 sqft · built 2005
Lot Size	0.777 acres (33,889 sqft)
Owner	Individual Name on Record
Last Sale	$780,000 (Mar 2022)
Tax Bill	$6,291 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-05-26-014772-004-00`

Property Details

APN / Parcel Number

Primary APN	`38-05-26-014772-004-00`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Stories	2 Stories
Building Area	4,216 sqft Heated Area
Gross Area	5,320 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	33,889 sqft (0.777 acres)
Lot Dimensions	244 ft deep x 139 ft wide
Garage Area	528 sqft

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	387 sqft
Porch	Porch
Porch Area	576 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	892 EBB TIDE DR
City	FLEMING ISLAND
State	FL
Zip	32003-9313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF LOTS 4 & 5 A/K/A LOT 3 FLOYD DIV FLEMING ISL GRANT ASREC O R 4586 PG 2187
Legal Range	26
Legal Township	05
Legal Section	38
Legal Subdivision	FLOYD DIV FLEMING ISL GRANT
Legal Lot Number	3-5 5
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2001
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	892 EBB TIDE DR, FLEMING ISLAND, FL 32003-9313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2022 · Amount on Record
Deed Sale	Mar 23, 2022 · Amount on Record
Prior Sale	Jun 23, 2004 · Amount on Record
Deed Document Number	2022018816
Deed Book / Page	4586 / 2187
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Mar 23, 2022
Property Address	892 EBB TIDE DR, FLEMING ISLAND, FL 32003-9313
Document Number	0045862187
Book / Page	4586 / 2187
Map Reference	MB G PG 568
Instrument Date	Mar 17, 2022
Instrument	2022018816
Transaction Type	Transfer
Record Updated	Apr 6, 2022
Title Company	WATSON TITLE SERVICES/N FL INC, WATSON TTL SVCS OF NORTH FL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,460.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	342 FLEMING DR, 342, FLEMING ISLAND, FL 32003-9327

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	892 EBB TIDE DR, FLEMING ISLAND, FL 32003-9313

Mortgage

Document Number	0045862189
Date	Mar 23, 2022
Instrument	4586/2189

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

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	$6,291.00 (-2.93%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$714,866 (+1.66%)	$722,952 (+2.81%) Land $60,000 Building $662,952
2023	$6,481.00 (+31.92%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$703,163 (+101.74%) Land $60,000 Building $643,163	$703,163 (+13.42%) Land $60,000 Building $643,163
2022	$4,913.00 Homeowner's exemption	$348,549	$619,939 Land $50,000 Building $569,939

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 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