1860 Killarn Cir, Middleburg, FL 32068 Property Records

Clay County property record for 1860 Killarn Cir, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,052 sqft · built 1986
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Aug 2025)
Tax Bill	$1,775 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-05-25-009001-002-09`

Property Details

APN / Parcel Number

Primary APN	`04-05-25-009001-002-09`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,052 sqft Heated Area
Gross Area	1,574 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.189 acres)
Lot Dimensions	115 ft deep x 72 ft wide
Garage Area	312 sqft
Porch	Porch
Porch Area	210 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1860 KILLARN CIR
City	MIDDLEBURG
State	FL
Zip	32068-4324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 8 SHAMROCK LAKE AS REC O R4960 PG 985
Legal Range	25
Legal Township	05
Legal Section	04
Legal Subdivision	SHAMROCK LAKE
Legal Lot Number	8
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	2
Census Block	2002
Census Tract	30209

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	1860 KILLARN CIR, MIDDLEBURG, FL 32068-4324
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2022	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU
Nov 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Feb 1, 2017	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2025 · Amount on Record
Deed Sale	Aug 15, 2025 · Amount on Record
Prior Sale	May 20, 2022 · Amount on Record
Deed Document Number	0004960985
Deed Book / Page	4960 / 985
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	May 20, 2022
Property Address	1860 KILLARN CIR, MIDDLEBURG, FL 32068-4324
Document Number	0046100807
Book / Page	4610 / 807
Map Reference	MB 19 PG 61-63
Instrument Date	May 13, 2022
Instrument	2022032374
Transaction Type	Transfer
Record Updated	Jun 15, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2376 HIBISCUS AVE, 2376, MIDDLEBURG, FL 32068-5235

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1860 KILLARN CIR, MIDDLEBURG, FL 32068-4324

Mortgage

Document Number	0004610809
Date	May 20, 2022
Instrument	4610/809

Lender

Name	VYSTAR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1860 KILLARN CIR, MIDDLEBURG, FL 32068-4324
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040301804
Date	Nov 16, 2017
Book Page	4030/1804
Instrument	2017058555

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2037

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Feb 1, 2017
Property Address	1860 KILLARN CIR, MIDDLEBURG, FL 32068-4324
Document Number	0039400042
Book / Page	003940 / 000042
Instrument Date	Jan 30, 2017
Instrument	5358
Transaction Type	Transfer
Record Updated	May 22, 2017
Title Company	OSBORNE AND SHEFFIELD TITLE SERVICES, OSBORNE & SHEFFIELD TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$798.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1860 KILLARN CIR MIDDLEBURG FL 320684324, MIDDLEBURG, FL 32068-4324

Mortgage

Document Number	39400044
Date	Feb 1, 2017
Book Page	003940/000044
Instrument	5359

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 31, 2047

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	$1,775.00 (-26.74%) Homeowner's exemption Additional exemption filed	$185,960 (+4.65%)	$196,581 (+10.63%) Land $40,000 Building $156,581
2023	$2,423.00 (+6.23%) Homeowner's exemption	$177,695 (+16.52%) Land $30,000 Building $147,695	$177,695 (+16.52%) Land $30,000 Building $147,695
2022	$2,281.00 Homeowner's exemption	$152,502 Land $30,000 Building $122,502	$152,502 Land $30,000 Building $122,502

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 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 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 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications.

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