109 McVickers Rd, Middleburg, FL 32068 Property Records

Clay County property record for 109 McVickers Rd, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,526 sqft · built 2018
Lot Size	0.681 acres (29,664 sqft)
Owner	Individual Name on Record
Tax Bill	$3,491 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`35-04-25-008256-001-00`

Property Details

APN / Parcel Number

Primary APN	`35-04-25-008256-001-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,526 sqft Living Area
Gross Area	1,944 sqft
1st Floor Area	1,526 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Mobile Home
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	29,664 sqft (0.681 acres)
Lot Dimensions	270 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	418 sqft
Porch	Finished/Open Porch
Porch Area	378 sqft
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic

Location & Zoning

Street Address	109 MCVICKERS RD
City	MIDDLEBURG
State	FL
Zip	32068-6634
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF S 800OF GOV LOT 2 AS REC OR 4709 PG 1684
Legal Range	25E
Legal Township	04S
Legal Section	35
Legal Lot Number	2
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	3
Census Block	3005
Census Tract	30802

Owner

Source: Clay County records, as of December 3, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	109 MCVICKERS RD, MIDDLEBURG, FL 32068-6634
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2023	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Oct 11, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Jun 23, 2017	Deed of Trust, Mortgage · ARM WHITNEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2023
Deed Sale	Apr 11, 2023
Deed Document Number	202317285
Deed Book / Page	4709 / 1684
Record Updated	Sep 20, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Apr 11, 2023
Property Address	109 MCVICKERS RD, MIDDLEBURG, FL 32068-6634
Document Number	0047091684
Book / Page	4709 / 1684
Instrument Date	Mar 31, 2023
Instrument	2023017285
Transaction Type	Transfer
Record Updated	May 9, 2023
Title Company	LANDMARK TITLE, LANDMARK TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3770 RANDALL RD, GREEN COVE SPRINGS, FL 32043-4802

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 MCVICKERS RD, MIDDLEBURG, FL 32068-6634

Mortgage

Document Number	0047091686
Date	Apr 11, 2023
Instrument	4709/1686

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	109 MCVICKERS RD, MIDDLEBURG, FL 32068-6634
Transaction Type	Mortgage
Record Updated	Oct 22, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 MCVICKERS RD, MIDDLEBURG, FL 32068-6634

Mortgage

Document Number	0045201853
Date	Oct 11, 2021
Book Page	4520/1853
Instrument	2021064326

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Aug 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	109 MCVICKERS RD, MIDDLEBURG, FL 32068-6634
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039861011
Date	Jun 23, 2017
Book Page	3986/1011
Instrument	2017031999

Lender

Name	WHITNEY BANK
Type	Bank
Address	GULFPORT, MS 39502

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

Tax Assessment & Valuation

Source: Clay County assessment roll, as of December 3, 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	$3,491.00 (+3.5%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$279,065 (+44.22%) Land $25,000 Building $254,065	$279,065 (+1.15%) Land $25,000 Building $254,065
2024	$3,373.00 (+30.38%)
2023	$2,587.00 (+5.12%) Homeowner's exemption Widower's exemption	$193,506 (+3%)	$275,885 (+9.91%) Land $25,000 Building $250,885
2022	$2,461.00 Homeowner's exemption Widower's exemption	$187,870	$251,007 Land $25,000 Building $226,007

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 6, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	4.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 106 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	106 in force
Nearby Flood Claims	108 (1983–2024)
Claims Outside the SFHA	19 of 108
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Irma, Sep 2017 · 55 claims Tropical Storm Fay, Aug 2008 · 9 claims Hurricane Frances, Sep 2004 · 8 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ORANGE PARK GRID private · serves 127,904 people · EPA ID FL2100741
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 103 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	1,200 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Hotwire Communications, IQ Fiber.

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