977 Florida St, Fleming Island, FL 32003 Property Records

Clay County property record for 977 Florida St, Fleming Island, FL 32003 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,791 sqft · built 2002
Lot Size	0.264 acres (11,499 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (May 2019)
Tax Bill	$4,457 (2025)
Deeds & Mortgages	May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-05-26-014919-000-00`

Property Details

APN / Parcel Number

Primary APN	`38-05-26-014919-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,791 sqft Living Area
Gross Area	2,255 sqft
1st Floor Area	1,791 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	11,499 sqft (0.264 acres)
Lot Dimensions	128 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	464 sqft
Porch	Finished/Open Porch
Porch Area	165 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	977 FLORIDA ST
City	FLEMING ISLAND
State	FL
Zip	32003-4546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 32 & PT LOT 33 BLK 13 FLEMING ISLAND ESTATES AS REC OR 4188 PG 1508
Legal Range	26E
Legal Township	05S
Legal Section	38
Legal Subdivision	FLEMING ISLAND ESTATES
Legal Block	13
Legal Lot Number	32,33
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2024
Census Tract	30701

Owner

Source: Clay County records · APN 38-05-26-014919-000-00

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	977 FLORIDA ST, FLEMING ISLAND, FL 32003-4546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 06, 2019 · Amount on Record
Deed Sale	May 06, 2019 · Amount on Record
Prior Sale	Aug 11, 2009 · Amount on Record
Deed Document Number	201922818
Deed Book / Page	4188 / 1508
Prior Transfer Date	Jun 24, 2005
Prior Transfer Doc	0026201728
Record Updated	Jun 08, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	May 06, 2019
Property Address	977 FLORIDA ST, FLEMING ISLAND, FL 32003-4546
Document Number	0041881508
Book / Page	4188 / 1508
Map Reference	MB 4 PG 61&62
Instrument Date	Apr 15, 2019
Instrument	2019022818
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	VANGUARD TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1601B CARATOKE HWY, 1601B, MOYOCK, NC 27958-8725

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	977 FLORIDA ST, FLEMING ISLAND, FL 32003-4546

Mortgage

Document Number	2019022819
Date	May 06, 2019
Instrument	2019022819

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2049

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	$4,457.00 (+5.19%)	$296,718 (-4.22%) Land $75,000 Building $221,718	$296,718 (-4.22%) Land $75,000 Building $221,718
2024	$4,237.00 (-3.81%)
2023	$4,405.00 (+19.41%)	$309,805 (+26.81%) Land $75,000 Building $234,805	$309,805 (+26.81%) Land $75,000 Building $234,805
2022	$3,689.00	$244,304 Land $45,000 Building $199,304	$244,304 Land $45,000 Building $199,304

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (12019C), updated July 6, 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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 7% of Florida
Wildfire Likelihood	About 1 in 5,556 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.