972 Cobblestone Dr, Orange Park, FL 32065 Property Records

Clay County property record for 972 Cobblestone Dr, Orange Park, FL 32065

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,266 sqft · built 1985
Lot Size	0.327 acres (14,287 sqft)
Owner	Owner Name on File
Last Sale	$155,000 (Aug 2002)
Tax Bill	$1,954 (2025)
Deeds & Mortgages	Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-04-25-020336-002-35`

Property Details

APN / Parcel Number

Primary APN	`13-04-25-020336-002-35`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,266 sqft Heated Area
Gross Area	2,970 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,287 sqft (0.327 acres)
Lot Dimensions	130 ft deep x 110 ft wide
Garage Area	440 sqft

Exterior Amenities

Porch	Porch
Porch Area	72 sqft
Patio Area	192 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	972 COBBLESTONE DR
City	ORANGE PARK
State	FL
Zip	32065-5781
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 35 STONEBRIDGE UNIT 2 AS REC O R 2089 PG 1508
Legal Range	25
Legal Township	04
Legal Section	13
Legal Subdivision	STONEBRIDGE
Legal Lot Number	35
Legal Unit	2
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	5
Census Block	5007
Census Tract	30904

Owner

Source: Clay County records · APN 13-04-25-020336-002-35

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Owner Name on File
Mailing Address	972 COBBLESTONE DR, ORANGE PARK, FL 32065-5781
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 27, 2002 · Amount on Record
Deed Sale	Aug 27, 2002 · Amount on Record
Deed Document Number	200251918
Deed Book / Page	2089 / 1508
Record Updated	Jun 08, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	972 COBBLESTONE DR, ORANGE PARK, FL 32065-5781
Document Number	0042841760
Instrument Date	Feb 25, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	972 COBBLESTONE DR ORANGE PARK FL 320655781, ORANGE PARK, FL 32065-5781

Mortgage

Document Number	0042841760
Date	Mar 03, 2020
Book Page	004284/001760
Instrument	11462

Lender

Name	COMMUNITY FIRST CU/FL
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 02, 2035

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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	$1,954.00 (-8.48%) Homeowner's exemption	$168,288 (+5.99%)	$326,355 (+3.17%) Land $55,000 Building $271,355
2023	$2,135.00 (+9.21%) Homeowner's exemption	$158,783 (+3%)	$316,334 (+15.12%) Land $55,000 Building $261,334
2022	$1,955.00 Homeowner's exemption	$154,159	$274,797 Land $40,000 Building $234,797

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (12019C), as of July 6, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120190309045, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2024 · rainfall accumulation

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
IQ Fiber Intermediate Holdings Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 380 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL2100741, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ORANGE PARK GRID private · serves 127,904 people
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.