1644 Morningside Dr, Middleburg, FL 32068 Property Records

Clay County property record for 1644 Morningside Dr, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,442 sqft · built 1976
Lot Size	0.336 acres (14,679 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (May 2021)
Tax Bill	$2,312 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-05-25-008827-093-00`

Property Details

APN / Parcel Number

Primary APN	`02-05-25-008827-093-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,442 sqft Heated Area
Gross Area	2,234 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,679 sqft (0.336 acres)
Lot Dimensions	144 ft deep x 102 ft wide
Garage Area	560 sqft

Exterior Amenities

Porch	Porch
Porch Area	112 sqft
Patio Area	120 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1644 MORNINGSIDE DR
City	MIDDLEBURG
State	FL
Zip	32068-6706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 7 BLK 4 HERITAGE FARMS 1 AS REC O R 4451 PG 2123
Legal Range	25
Legal Township	05
Legal Section	02
Legal Subdivision	HERITAGE FARMS
Legal Block	4
Legal Lot Number	7
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2000
Census Tract	30708

Owner

Source: Clay County records, as of December 18, 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
Co-owner	Co-owner on Record
Mailing Address	1644 MORNINGSIDE DR, MIDDLEBURG, FL 32068-6706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2021 · Amount on Record
Deed Sale	May 4, 2021 · Amount on Record
Prior Sale	Mar 19, 2014 · Amount on Record
Deed Document Number	2021027521
Deed Book / Page	4451 / 2123
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	May 4, 2021
Property Address	1644 MORNINGSIDE DR, MIDDLEBURG, FL 32068-6706
Document Number	0044512123
Book / Page	4451 / 2123
Map Reference	MB 13 PG 49-53
Instrument Date	Apr 28, 2021
Instrument	2021027521
Transaction Type	Transfer
Record Updated	May 13, 2021
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1629 MORNINGSIDE DR, 1629, MIDDLEBURG, FL 32068-6707

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1644 MORNINGSIDE DR, MIDDLEBURG, FL 32068-6706

Mortgage

Document Number	44512125
Date	May 4, 2021
Instrument	4451/2125

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Tax Assessment & Valuation

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	$2,312.00 (-6.47%) Homeowner's exemption	$191,767 (+5.99%)	$197,058 (+0.85%) Land $40,000 Building $157,058
2023	$2,472.00 (+8.28%) Homeowner's exemption	$180,935 (+3%)	$195,399 (+11.23%) Land $40,000 Building $155,399
2022	$2,283.00 Homeowner's exemption	$175,666 Land $25,000 Building $150,666	$175,666 Land $25,000 Building $150,666

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 25 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	25 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% 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 190 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

May also be available: IQ Fiber.

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