Clay County, FL: flood zone, zoning and property lines by address
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Towns in Clay County: Lakeside, Bellair-Meadowbrook Terrace, Middleburg.
Flood zone by address
ParcelSheet reads FEMA's National Flood Hazard Layer at the lot: the zone, whether it is a high risk area where lenders ask for flood insurance, and the base flood elevation where FEMA lists one. FEMA's countywide study for Clay County has 60 FIRM panels, the newest effective March 2014; no coastal V zones are mapped in it.
The official panel and any Letter of Map Amendment are at FEMA's Map Service Center. An elevation certificate for a Clay house comes from a licensed surveyor and is often on file with the county or city building office (Permitting).
Property lines
The parcel outline, parcel number and mapped size come from the Florida statewide cadastral (county property appraiser parcels with the Department of Revenue tax roll), so a Clay lot shows the same lines the property appraiser draws. Clay County covers about 386,943 acres of land and 24,925 acres of water.
Mapped lines are approximate. The Clay County Property Appraiser keeps the parcel record; a licensed surveyor sets the true corners.
An example from the county's own records: parcel 07-06-25-010402-000-00 in Green Cove Springs, a lot with one house, about 280,090 square feet as mapped, the house built in 1976. Open it to see every card ParcelSheet draws for a Clay lot.
Zoning
Clay County zones its unincorporated land. ParcelSheet shows the use the property appraiser lists for the lot and links the county planning office for the district, the uses it allows and the lot size it needs.
ADU and guest houses
Florida Statute 163.31771 lets local governments allow an accessory dwelling unit on a lot with a house. Whether a Clay lot can add one depends on its district; the county planning office has the rule. ParcelSheet shows the mapped lot size and the ground's slope, the first two things the question turns on.
Septic and soil
ParcelSheet reads the USDA soil survey at the lot: the soil's name, its septic absorption rating and whether it is prime farmland. Clay County is soil survey area FL019, Clay County, Florida, last updated August 2026, on Web Soil Survey.
A new or changed septic system in Clay County needs a permit from the Florida Department of Health in Clay County, which tests the soil on the lot itself.
Setbacks
Setbacks in Clay County come from the zoning district: the front, side and rear distances a house must keep. ParcelSheet does not draw setback lines; the county zoning office gives them for the lot's district.
Hazards that apply
- Sinkholes. The Florida Geological Survey lists 6 subsidence incident reports in Clay County (the reports). They are reports, not confirmed sinkholes; ParcelSheet does not rate a lot for sinkholes.
- Wind. The Florida Building Code sets the design wind speed for a house in Clay County; the building office (Permitting) applies it at permit.
- Wetlands and wildfire. ParcelSheet shows the National Wetlands Inventory near a Clay lot and the Forest Service wildfire hazard rating at it.
Questions
Is my house in a flood zone in Clay County?
Type the address in the box above and ParcelSheet reads FEMA's flood zone at the lot's center. FEMA's countywide flood map for Clay County has 60 panels, the newest effective March 2014. A lender or insurer uses the official FIRM panel; FEMA's Map Service Center has it.
How do I find property lines in Clay County?
Open the Florida map, type the address, and the parcel outline from the county property appraiser shows on the map with its parcel number and mapped size. The Clay County property appraiser keeps the official record. Mapped lines are approximate; only a licensed surveyor sets the true corners.
What is my property zoned in Clay County?
Zoning in Clay County is set by the county for unincorporated land and by each city inside its own limits. ParcelSheet shows the use code the property appraiser lists and links the office that sets the zoning; the planning office has the final word.
Can I build an ADU in Clay County?
Florida Statute 163.31771 lets counties and cities allow an accessory dwelling unit, and each sets its own rules. In Clay County ask the zoning office for the lot's district first; ParcelSheet shows the lot size as mapped so you can see the room you have.
Do I need a septic permit in Clay County?
Yes. A new or changed septic system in Clay County needs a permit from the Florida Department of Health in Clay County. ParcelSheet shows the USDA soil survey's septic rating at the lot, from survey area FL019 (Clay County, Florida).
Next to Clay County: Bradford County, Duval County, Putnam County, St. Johns County.
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