991 Florida St, Fleming Island, FL 32003 Property Records

Clay County property record for 991 Florida St, Fleming Island, FL 32003 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,719 sqft · built 2011
Lot Size	0.176 acres (7,710 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Aug 2019)
Tax Bill	$2,861 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-05-26-014917-001-00`

Property Details

APN / Parcel Number

Primary APN	`38-05-26-014917-001-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,719 sqft Heated Area
Gross Area	2,343 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,710 sqft (0.176 acres)
Lot Dimensions	129 ft deep x 60 ft wide
Garage Area	460 sqft
Porch	Porch
Porch Area	164 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	991 FLORIDA ST
City	FLEMING ISLAND
State	FL
Zip	32003-4546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 30 BLK 13 FLEMING ISLAND ESTATES AS REC O R 4218 PG 855
Legal Range	26
Legal Township	05
Legal Section	38
Legal Subdivision	FLEMING ISLAND ESTATES
Legal Block	13
Legal Lot Number	30
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2024
Census Tract	30701

Owner

Source: Clay County records · APN 38-05-26-014917-001-00

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
Mailing Address	991 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	Aug 05, 2019 · Amount on Record
Deed Sale	Aug 05, 2019 · Amount on Record
Prior Sale	Nov 23, 2011 · Amount on Record
Deed Document Number	2019041210
Deed Book / Page	4218 / 0855
Record Updated	Jun 08, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Aug 05, 2019
Property Address	991 FLORIDA ST, FLEMING ISLAND, FL 32003-4546
Document Number	0042180855
Book / Page	4218 / 0855
Map Reference	MB 4 PG 61&62
Instrument Date	Aug 02, 2019
Instrument	2019041210
Transaction Type	Transfer
Record Updated	May 02, 2022
Title Company	ATTORNEY TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2176 ROMEL ST, 2176, EAGLE PASS, TX 78852-4161

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	991 FLORIDA ST, FLEMING ISLAND, FL 32003-4546

Mortgage

Document Number	0004218857
Date	Aug 05, 2019
Instrument	4218/857

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2049

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	$2,861.00 (-4.25%) Homeowner's exemption	$227,776 (+5.99%)	$297,610 (-4.43%) Land $50,000 Building $247,610
2023	$2,988.00 (+7.29%) Homeowner's exemption	$214,910 (+3%)	$311,411 (+23.79%) Land $50,000 Building $261,411
2022	$2,785.00 Homeowner's exemption	$208,651	$251,558 Land $30,000 Building $221,558

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 5,556 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 210 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
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, Verizon, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.