Clay County property record for 905 Clay St, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,808 sqft · built 2004 |
| Lot Size | 0.763 acres (33,236 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $320,000 (Mar 2015) |
| Tax Bill | $3,807 (2025) |
| Deeds & Mortgages | Jun 2026 Sale May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 38-05-26-014772-029-00 |
| Primary APN | 38-05-26-014772-029-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,808 sqft Living Area |
| Gross Area | 3,500 sqft |
| 1st Floor Area | 2,808 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Logs |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 33,236 sqft (0.763 acres) |
| Lot Dimensions | 250 ft deep x 133 ft wide |
| Garage Type | Attached |
| Garage Area | 692 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 1,056 sqft |
| Patio Area | 252 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 905 CLAY ST |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-9308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF LOTS 4 & 5 A/K/A LOT 29FLOYD DIV OF FLEMING GRANT AS REC OR 3727 PG 732 |
| Legal Range | 26E |
| Legal Township | 05S |
| Legal Section | 38 |
| Legal Subdivision | DIV OF FLEMING GRANT |
| Legal Lot Number | 4,29 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 30701 |
905 Clay St is owner-occupied and held in a trust since June 2026.
Source: Clay County records, as of July 7, 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 Trust Names on File |
|---|---|
| Mailing Address | 905 CLAY ST, FLEMING ISLAND, FL 32003-9308 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Revocable Trust |
| Date | Document |
|---|---|
| Jun 12, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| May 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK |
| Sep 24, 2018 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 12, 2015 · Amount on File |
| Deed Sale | Mar 12, 2015 · Amount on File |
| Prior Sale | Jan 12, 2004 · Amount on File |
| Deed Document Number | 201511876 |
| Deed Book / Page | 3727 / 732 |
| Last Transfer Date | Jun 11, 2026 |
| Transfer Doc | 0000029082 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jun 12, 2026 |
| Property Address | 905 CLAY ST, FLEMING ISLAND, FL 32003-9308 |
| Document Number | 0000029082 |
| Book / Page | 5055 / 1493 |
| Instrument Date | Jun 11, 2026 |
| Instrument | 202629082 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Revocable Trust |
| Address | 905 CLAY ST, FLEMING ISLAND, FL 32003-9308 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 905 CLAY ST, FLEMING ISLAND, FL 32003-9308 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0043070725 |
|---|---|
| Date | May 13, 2020 |
| Book Page | 4307/725 |
| Instrument | 2020023568 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 905 CLAY ST, FLEMING ISLAND, FL 32003-9308 |
| Document Number | 0041411766 |
| Instrument Date | Sep 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2018 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 905 CLAY ST FLEMING ISLAND FL 320039308, FLEMING ISLAND, FL 32003-9308 |
| Document Number | 0041411766 |
|---|---|
| Date | Nov 16, 2018 |
| Book Page | 004141/001766 |
| Instrument | 60073 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 15, 2033 |
The 2025 property tax bill for 905 Clay St was $3,807 with a homeowner's exemption.
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 | $3,807.00 Homeowner's exemption | $289,774 | $513,271 Land $60,000 Building $453,271 |
| 2023 | $3,876.00 (+6.22%) Homeowner's exemption | $273,406 (+3%) | $507,907 (+12.05%) Land $60,000 Building $447,907 |
| 2022 | $3,649.00 Homeowner's exemption | $265,443 | $453,270 Land $50,000 Building $403,270 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 905 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 905 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 |
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