979 Clay St, Fleming Island, FL 32003 Property Records

Clay County property record for 979 Clay St, Fleming Island, FL 32003 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 1994
Lot Size	0.779 acres (33,976 sqft)
Owner	Individual Name on File
Last Sale	$335,000 (Jul 2024)
Tax Bill	$3,365 (2025)
Deeds & Mortgages	Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-05-26-014772-032-00`

Property Details

APN / Parcel Number

Primary APN	`38-05-26-014772-032-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,680 sqft Heated Area
Gross Area	2,385 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	33,976 sqft (0.779 acres)
Lot Dimensions	250 ft deep x 136 ft wide
Garage Area	441 sqft
Porch	Porch
Porch Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	979 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 33FLOYD DIV FLEMING GRANT AS RECO R 4842 PG 663
Legal Range	26
Legal Township	05
Legal Section	38
Legal Subdivision	DAVIS FLOYD
Legal Lot Number	4,5 5
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2001
Census Tract	30701

Owner

Source: Clay County records · APN 38-05-26-014772-032-00

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	979 CLAY ST, FLEMING ISLAND, FL 32003-9308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 24, 2024 · Amount on Record
Deed Sale	Jul 24, 2024 · Amount on Record
Deed Document Number	2024034251
Deed Book / Page	4842 / 663
Record Updated	Jun 08, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	979 CLAY ST, FLEMING ISLAND, FL 32003-9308
Document Number	0040591441
Instrument Date	Feb 23, 2018
Transaction Type	Mortgage
Record Updated	Mar 09, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	979 CLAY ST FLEMING ISLAND FL 320039308, FLEMING ISLAND, FL 32003-9308

Mortgage

Document Number	0040591441
Date	Feb 28, 2018
Book Page	004059/001441
Instrument	10303

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2048

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,365.00 (+96.44%) Homeowner's exemption	$260,798 (+91.78%)	$284,210 (+0.64%) Land $60,000 Building $224,210
2023	$1,713.00 (+6.33%) Homeowner's exemption Widower's exemption	$135,985 (+3%)	$282,406 (+13.97%) Land $60,000 Building $222,406
2022	$1,611.00 Homeowner's exemption Widower's exemption	$132,025	$247,788 Land $50,000 Building $197,788

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.