Clay County property record for 896 Live Oak Ln, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,156 sqft · built 2005 |
| Lot Size | 0.419 acres (18,251 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $255,000 (Aug 2019) |
| Tax Bill | $6,241 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 38-05-26-014766-007-00 |
| Primary APN | 38-05-26-014766-007-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,156 sqft Living Area |
| Gross Area | 2,680 sqft |
| 1st Floor Area | 2,156 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 18,251 sqft (0.419 acres) |
| Lot Dimensions | 166 ft deep x 110 ft wide |
| Garage Type | Attached |
| Garage Area | 524 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 520 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 896 LIVE OAK LN |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-9381 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Description | LOT 25 HIBERNIA FOREST UNIT 3 AS REC OR 4226 PG 1368 |
| Legal Range | 26E |
| Legal Township | 05S |
| Legal Section | 38 |
| Legal Subdivision | HIBERNIA FOREST UNIT 3 |
| Legal Lot Number | 25 |
| Legal Unit | 3AS |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 30701 |
896 Live Oak Ln is owned and occupied by two individuals who bought it in August 2019.
Source: Clay County records, as of January 16, 2026
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 896 LIVE OAK LN, FLEMING ISLAND, FL 32003-9381 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Dec 8, 2025 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Aug 28, 2019 | Warranty Deed, Transfer · VA Mortgage BRANCH BANKING AND TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 28, 2019 · Amount on File |
| Deed Sale | Aug 28, 2019 · Amount on File |
| Prior Sale | Aug 16, 2013 · Amount on File |
| Deed Document Number | 201946612 |
| Deed Book / Page | 4226 / 1368 |
| Prior Transfer Date | Aug 15, 2013 |
| Prior Transfer Doc | 0035671960 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Dec 8, 2025 |
| Property Address | 896 LIVE OAK LN, FLEMING ISLAND, FL 32003-9381 |
| Document Number | 0049940937 |
| Book / Page | 4994 / 937 |
| Map Reference | MB 6 PG 21 |
| Instrument Date | Nov 26, 2025 |
| Instrument | 2025057167 |
| Transaction Type | Transfer |
| Record Updated | Dec 29, 2025 |
| Title Company | FIRST NATIONAL LAND TRANSFER, FIRST NATL LAND TRANSFER INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,003.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1880 EASTWEST PKWY # 9566, 9566, FLEMING ISLAND, FL 32003-6347 |
| Name | Verified Name |
|---|---|
| Address | 896 LIVE OAK LN, FLEMING ISLAND, FL 32003-9381 |
| Document Number | 0004994939 |
|---|---|
| Date | Dec 8, 2025 |
| Instrument | 4994/939 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Aug 28, 2019 |
| Property Address | 896 LIVE OAK LN, FLEMING ISLAND, FL 32003-9381 |
| Document Number | 0042261368 |
| Book / Page | 4226 / 1368 |
| Map Reference | MB 6 PG 21 |
| Instrument Date | Aug 23, 2019 |
| Instrument | 2019046612 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | PONTE VEDRA TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,785.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4585 COTSWOLD MANOR LOOP, 4585, WOODBRIDGE, VA 22192-5472 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 9566, MAYO, FL 32066 |
| Document Number | 0042261371 |
|---|---|
| Date | Aug 28, 2019 |
| Instrument | 4226/1371 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
The 2025 property tax bill for 896 Live Oak Ln was $6,241, up 10.2% 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 | $6,241.00 (+10.19%) | $421,752 Land $75,000 Building $346,752 | $421,752 Land $75,000 Building $346,752 |
| 2024 | $5,664.00 (-3.43%) | ||
| 2023 | $5,865.00 (+11.76%) | $411,515 (+10.49%) Land $65,000 Building $346,515 | $411,515 (+10.49%) Land $65,000 Building $346,515 |
| 2022 | $5,248.00 | $372,458 Land $65,000 Building $307,458 | $372,458 Land $65,000 Building $307,458 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 896 Live Oak Ln 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 896 Live Oak Ln 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 | None beyond ember reach |
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 |
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