984 Live Oak Ln, Fleming Island, FL 32003 Property Records

Clay County property record for 984 Live Oak Ln, Fleming Island, FL 32003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,432 sqft · built 1979
Lot Size	0.384 acres (16,770 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (May 2016)
Tax Bill	$1,947 (2025)
Deeds & Mortgages	Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-05-26-014766-012-00`

Property Details

APN / Parcel Number

Primary APN	`38-05-26-014766-012-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,432 sqft Heated Area
Gross Area	2,108 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,770 sqft (0.384 acres)
Lot Dimensions	160 ft deep x 105 ft wide
Garage Area	560 sqft

Exterior Amenities

Pool Area	595 sqft
Porch	Porch
Porch Area	116 sqft
Patio Area	55 sqft
Storage Building	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	984 LIVE OAK LN
City	FLEMING ISLAND
State	FL
Zip	32003-5000
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Description	LOT 30 HIBERNIA FOREST UNIT 3AS REC O R 3859 PG 1714
Legal Range	26
Legal Township	05
Legal Section	38
Legal Subdivision	HIBERNIA FOREST
Legal Lot Number	30
Legal Unit	3AS
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2021
Census Tract	30701

Owner

984 Live Oak Ln is owned and occupied by two individuals who acquired it in May 2016.

Source: Clay County records, as of December 18, 2025

Owner of Record	2 Individual Names on File
Mailing Address	984 LIVE OAK LN, FLEMING ISLAND, FL 32003-5000
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2016 · Amount on File
Deed Sale	May 18, 2016 · Amount on File
Deed Document Number	0038591714
Deed Book / Page	3859 / 1714
Last Transfer Date	May 20, 2016
Transfer Doc	0038591714
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	984 LIVE OAK LN, FLEMING ISLAND, FL 32003-5000
Transaction Type	Mortgage
Record Updated	Sep 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	984 LIVE OAK LN, FLEMING ISLAND, FL 32003-5000

Mortgage

Document Number	0045081560
Date	Sep 14, 2021
Book Page	4508/1560
Instrument	2021057726

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 984 Live Oak Ln was $1,947 with a homeowner's exemption.

Source: Clay County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,947.00 Homeowner's exemption	$167,831	$256,229 Land $75,000 Building $181,229
2023	$2,129.00 (+9.24%) Homeowner's exemption	$158,352 (+3%)	$245,675 (+8.91%) Land $65,000 Building $180,675
2022	$1,949.00 Homeowner's exemption	$153,740	$225,573 Land $65,000 Building $160,573

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

Flood

FEMA maps place 984 Live Oak Ln 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	Hurricane Nicole, Nov 2022 · 2 claims Hurricane Irma, Sep 2017 · 38 claims Hurricane Frances, Sep 2004 · 5 claims

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

Wildfire risk around 984 Live Oak Ln is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

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