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

Clay County property record for 946 Ebb Tide Dr, Fleming Island, FL 32003 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,920 sqft · built 2004
Lot Size	0.619 acres (26,963 sqft)
Owner	Individual Name on File
Last Sale	$525,000 (May 2021)
Tax Bill	$6,360 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-05-26-014772-037-00`

Property Details

APN / Parcel Number

Primary APN	`38-05-26-014772-037-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,920 sqft Living Area
Gross Area	2,722 sqft
1st Floor Area	1,920 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	26,963 sqft (0.619 acres)
Lot Dimensions	225 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	452 sqft
Porch	Enclosed/Finished Porch
Porch Area	627 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	946 EBB TIDE DR
City	FLEMING ISLAND
State	FL
Zip	32003-8727
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF LOTS 4 & 5 A/K/A LOT 38FLOYD DIV FLEMING GRANT AS REC OR 4461 PG 1331
Legal Range	26E
Legal Township	05S
Legal Section	38
Legal Subdivision	DIV FLEMING GRANT
Legal Lot Number	4,38
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2001
Census Tract	30701

Owner

Source: Clay County records · APN 38-05-26-014772-037-00

Assessment roll updated December 3, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	946 EBB TIDE DR, FLEMING ISLAND, FL 32003-8727
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 26, 2021 · Amount on Record
Deed Sale	May 26, 2021 · Amount on Record
Prior Sale	Aug 14, 2003 · Amount on Record
Deed Document Number	202132826
Deed Book / Page	4461 / 1331
Prior Transfer Date	Oct 26, 2007
Prior Transfer Doc	0029611949
Record Updated	Jun 08, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	May 26, 2021
Property Address	946 EBB TIDE DR, FLEMING ISLAND, FL 32003-8727
Document Number	0044611331
Book / Page	4461 / 1331
Map Reference	MB 24 PG 594
Instrument Date	May 25, 2021
Instrument	2021032826
Transaction Type	Transfer
Record Updated	Jun 09, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,675.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1942 MOORINGS CIR, 1942, MIDDLEBURG, FL 32068-6646

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	946 EBB TIDE DR, ORANGE PARK, FL 32003-8727

Mortgage

Document Number	44611333
Date	May 26, 2021
Instrument	4461/1333

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated December 3, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Clay County
Unified School District	Clay County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,360.00 (+4.69%) Homeowner's exemption	$457,148 (+5.99%)	$481,570 (+0.98%) Land $60,000 Building $421,570
2024	$6,075.00 (-3.17%)
2023	$6,274.00 (+4.88%) Homeowner's exemption	$431,326 (+3%)	$476,891 (+13.88%) Land $60,000 Building $416,891
2022	$5,982.00 Homeowner's exemption	$418,764 Land $50,000 Building $368,764	$418,764 Land $50,000 Building $368,764

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (12019C), updated July 6, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120190307012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 191 individual NFIP policies nearby
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 Storm	Hurricane Nicole, Nov 2022 · 2 claims Hurricane Irma, Sep 2017 · 38 claims Hurricane Frances, Sep 2004 · 5 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 7% of Florida
Wildfire Likelihood	About 1 in 4,545 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 215 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.