Clay County property record for 1645 Sandy Hollow Loop, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,332 sqft · built 1987 |
| Lot Size | 0.303 acres (13,198 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,754 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-04-25-008190-070-00 |
| Primary APN | 35-04-25-008190-070-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,332 sqft Living Area |
| Gross Area | 1,792 sqft |
| 1st Floor Area | 1,332 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 13,198 sqft (0.303 acres) |
| Lot Dimensions | 120 ft deep x 110 ft wide |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 388 sqft |
| Deck Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1645 SANDY HOLLOW LOOP |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-6514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Description | LOT 68 BLK 3 SANDY HOLLOW AS REC OR 4720 PG 1673 |
| Legal Range | 25E |
| Legal Township | 04S |
| Legal Section | 35 |
| Legal Subdivision | SANDY HOLLOW |
| Legal Block | 3 |
| Legal Lot Number | 68 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 30802 |
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 | 1645 SANDY HOLLOW LOOP, MIDDLEBURG, FL 32068-6514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| May 17, 2023 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jul 25, 2017 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 17, 2023 |
| Deed Sale | May 17, 2023 |
| Prior Sale | Jul 25, 2017 · Amount on Record |
| Deed Document Number | 202324202 |
| Deed Book / Page | 4720 / 1673 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | May 17, 2023 |
| Property Address | 1645 SANDY HOLLOW LOOP, MIDDLEBURG, FL 32068-6514 |
| Document Number | 0047201673 |
| Book / Page | 4720 / 1673 |
| Map Reference | MB 17 PG 59&60 |
| Instrument Date | May 8, 2023 |
| Instrument | 2023024202 |
| Transaction Type | Transfer |
| Record Updated | Jun 6, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,806.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15840 AGATE ST SE, YELM, WA 98597-9106 |
| Name | Verified Name |
|---|---|
| Address | 1645 SANDY HOLLOW LOOP, MIDDLEBURG, FL 32068-6514 |
| Document Number | 0047201675 |
|---|---|
| Date | May 17, 2023 |
| Instrument | 4720/1675 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jul 25, 2017 |
| Property Address | 1645 SANDY HOLLOW LOOP, MIDDLEBURG, FL 32068-6514 |
| Document Number | 0039960089 |
| Book / Page | 003996 / 000089 |
| Instrument Date | Jul 19, 2017 |
| Instrument | 37696 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $952.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1645 SANDY HOLLOW LOOP MIDDLEBURG FL 320686514, MIDDLEBURG, FL 32068-6514 |
| Document Number | 39960092 |
|---|---|
| Date | Jul 25, 2017 |
| Book Page | 003996/000092 |
| Instrument | 37697 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 24, 2047 |
Source: Clay County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,754.00 (+5.07%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $230,740 (+9.49%) | $236,769 (+12.35%) Land $40,000 Building $196,769 |
| 2024 | $2,621.00 (-16.45%) | ||
| 2023 | $3,137.00 (+14.7%) | $210,748 (+13.5%) Land $40,000 Building $170,748 | $210,748 (+13.5%) Land $40,000 Building $170,748 |
| 2022 | $2,735.00 | $185,689 Land $30,000 Building $155,689 | $185,689 Land $30,000 Building $155,689 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| IQ Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
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