Clay County property record for 1809 Kel Ln, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,195 sqft · built 1993 |
| Lot Size | 0.497 acres (21,692 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $141,000 (Jul 1993) |
| Tax Bill | $3,594 (2025) |
| Deeds & Mortgages | Nov 2020 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-04-25-008322-001-00 |
| Primary APN | 36-04-25-008322-001-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,195 sqft Heated Area |
| Gross Area | 2,853 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,692 sqft (0.497 acres) |
| Lot Dimensions | 184 ft deep x 118 ft wide |
| Garage Area | 561 sqft |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 450 sqft |
| Porch | Porch |
| Porch Area | 97 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1809 KEL LN |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-6609 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Description | S1/2 OF LOT 4 HUNTLEYS AS RECO R 1463 PG 2010 & 1632 PG 209 |
| Legal Range | 25 |
| Legal Township | 04 |
| Legal Section | 36 |
| Legal Subdivision | HUNTLEYS |
| Legal Lot Number | 4 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 30704 |
1809 Kel Ln is owned and occupied by two individuals who bought it in July 1993.
Source: Clay County records, as of December 18, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1809 KEL LN, MIDDLEBURG, FL 32068-6609 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 1993 · Amount on File |
| Deed Sale | Jul 23, 1993 · Amount on File |
| Deed Document Number | 0014632010 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 1809 KEL LN, MIDDLEBURG, FL 32068-6609 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1809 KEL LN, MIDDLEBURG, FL 32068-6609 |
| Document Number | 0043731035 |
|---|---|
| Date | Nov 5, 2020 |
| Book Page | 4373/1035 |
| Instrument | 2020058166 |
| Name | COMMUNITY FIRST CREDIT UNION OF FLORIDA |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32204 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 1809 Kel Ln was $3,594 with a homeowner's exemption.
Source: Clay County assessment roll, as of July 1, 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 | $3,594.00 Homeowner's exemption | $275,801 | $329,327 Land $45,000 Building $284,327 |
| 2023 | $3,667.00 (+11.15%) Homeowner's exemption | $265,022 (+7.18%) | $320,323 (+10.1%) Land $45,000 Building $275,323 |
| 2022 | $3,299.00 Homeowner's exemption | $247,272 | $290,930 Land $36,000 Building $254,930 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1809 Kel Ln in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2016.
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 File median of 70 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 70 in force |
| Nearby Flood Claims | 7 (2016–2025) |
| Claims Outside the SFHA | 1 of 7 |
| Most Recent Claim | Sep 2025 · rainfall accumulation |
| 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.
Wildfire risk around 1809 Kel Ln is low, with a 0.01% annual chance of 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.
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 145 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| IQ Fiber Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Hotwire Communications.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures