1099 Cactus Cut Rd, Middleburg, FL 32068 Property Records

Clay County property record for 1099 Cactus Cut Rd, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,490 sqft · built 1993
Lot Size	1.06 acres (46,434 sqft)
Owner	Individual Name on File
Tax Bill	$2,145 (2023)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-04-24-005606-279-11`

Property Details

APN / Parcel Number

Primary APN	`26-04-24-005606-279-11`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,490 sqft Living Area
Gross Area	1,870 sqft
1st Floor Area	1,490 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	46,434 sqft (1.06 acres)
Lot Dimensions	411 ft deep x 113 ft wide
Garage Type	Attached
Garage Area	380 sqft

Exterior Amenities

Porch	Open/Unfinished Porch
Porch Area	228 sqft
Patio Area	228 sqft
Storage Building	600 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1099 CACTUS CUT RD
City	MIDDLEBURG
State	FL
Zip	32068-3261
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-2
Legal Description	LOT 11 FOXMEADOW UNIT 3D AS REC OR 1621 PG 339 & 3858 PG 334FJ
Legal Range	24E
Legal Township	04S
Legal Section	26
Legal Subdivision	FOXMEADOW UNIT 3D
Legal Lot Number	11
Legal Unit	3D
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	3
Census Block	3008
Census Tract	30204

Owner

1099 Cactus Cut Rd is owned and occupied by an individual who acquired it in May 2016.

Source: Clay County records, as of October 7, 2026

Owner of Record	Individual Name on File
Mailing Address	1099 CACTUS CUT RD, MIDDLEBURG, FL 32068-3261
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

Date	Document
Sep 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CREDIT UNION
Aug 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU
Aug 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2016
Deed Sale	May 1, 2016
Deed Book / Page	3858 / 334
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Recording Date	Sep 8, 2026
Property Address	1099 CACTUS CUT RD, MIDDLEBURG, FL 32068-3261
Document Number	0000045032
Book / Page	5084 / 522
Instrument Date	Sep 2, 2026
Instrument	202645032
Transaction Type	Mortgage
Record Updated	Oct 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1099 CACTUS CUT RD, MIDDLEBURG, FL 32068-3261
Investor	Possibly a Property Investor

Mortgage

Document Number	0000045032,
Date	Sep 8, 2026
Book Page	5084/522
Instrument	202645032

Lender

Name	VYSTAR CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 1, 2036

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1099 CACTUS CUT RD, MIDDLEBURG, FL 32068-3261
Document Number	0041250766
Instrument Date	Aug 10, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1099 CACTUS CUT RD MIDDLEBURG FL 320683261, MIDDLEBURG, FL 32068-3261

Mortgage

Document Number	0041250766
Date	Sep 20, 2018
Book Page	004125/000766
Instrument	49744

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 19, 2033

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1099 CACTUS CUT RD, MIDDLEBURG, FL 32068-3261
Document Number	0041161322
Instrument Date	Aug 10, 2018
Transaction Type	Mortgage
Record Updated	Sep 13, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1099 CACTUS CUT RD MIDDLEBURG FL 320683261, MIDDLEBURG, FL 32068-3261

Mortgage

Document Number	0041161322
Date	Aug 23, 2018
Book Page	004116/001322
Instrument	44463

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 22, 2033

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	Veteran's exemption	$168,931	$316,223 Land $75,000 Building $241,223
2023	$2,145.00 (+9.22%) Homeowner's exemption	$159,390 (+3%)	$290,070 (+11.16%) Land $60,000 Building $230,070
2022	$1,964.00 Homeowner's exemption	$154,748	$260,948 Land $50,000 Building $210,948

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

Flood

FEMA maps place 1099 Cactus Cut Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 52 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	52 in force

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 1099 Cactus Cut Rd is moderate, ranking above 44% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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