Clay County property record for 1976 Cornell Rd, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,264 sqft · built 1980 |
| Lot Size | 0.375 acres (16,335 sqft) |
| Owner | Individual Name on File |
| Last Sale | $647,500 (May 2023) |
| Tax Bill | $4,851 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Nov 2022 Line of Credit + 4 more |
| Flood Zone | Zone AE (high risk) |
| APN | 12-05-24-006207-000-00 |
| Primary APN | 12-05-24-006207-000-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,264 sqft Heated Area |
| Gross Area | 4,680 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 16,335 sqft (0.375 acres) |
| Lot Dimensions | 134 ft deep x 122 ft wide |
| Garage Area | 400 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 76 sqft |
| Deck Area | 600 sqft |
| Patio Area | 1,276 sqft |
| Balcony | Balcony |
| Balcony Area | 600 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Boat House | 420 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1976 CORNELL RD |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-5104 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR-2 |
| Legal Description | LOT 33 BLACK CREEK HILLS S/D AS REC O R 4719 PG 1771 |
| Legal Range | 24 |
| Legal Township | 05 |
| Legal Section | 12 |
| Legal Subdivision | BLACK CREEK HILLS S/D |
| Legal Lot Number | 33 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 30103 |
1976 Cornell Rd is owned and occupied by an individual who acquired it in January 2025.
Source: Clay County records, as of December 18, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1976 CORNELL RD, MIDDLEBURG, FL 32068-5104 |
| 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.
| Date | Document |
|---|---|
| May 15, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 30, 2022 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Jun 28, 2021 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Jan 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE HOME MORTGAGE LLC |
| Aug 24, 2018 | Loan Modification, Mortgage ALTERRA HM LNS |
| Jun 5, 2017 | Warranty Deed, Transfer · Conventional with PMI ALTERRA HM LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 15, 2023 · Amount on File |
| Deed Sale | May 15, 2023 · Amount on File |
| Prior Sale | May 15, 2023 · Amount on File |
| Deed Document Number | 0047191771 |
| Deed Book / Page | 4719 / 1771 |
| Last Transfer Date | Jan 17, 2025 |
| Transfer Doc | 0048941792 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | May 15, 2023 |
| Property Address | 1976 CORNELL RD, MIDDLEBURG, FL 32068-5104 |
| Document Number | 0047191771 |
| Book / Page | 4719 / 1771 |
| Map Reference | MB 7 PG 45&46 |
| Instrument Date | May 12, 2023 |
| Instrument | 2023023565 |
| Transaction Type | Transfer |
| Record Updated | Jun 6, 2023 |
| Title Company | REALTY TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,532.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2883 CREEK ST, MIDDLEBURG, FL 32068-7123 |
| Name | Verified Name |
|---|---|
| Address | 1976 CORNELL RD, MIDDLEBURG, FL 32068-5104 |
| Document Number | 0047191773 |
|---|---|
| Date | May 15, 2023 |
| Instrument | 4719/1773 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 1976 CORNELL RD, MIDDLEBURG, FL 32068-5104 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1976 CORNELL RD, MIDDLEBURG, FL 32068-5104 |
| Document Number | 0046701861 |
|---|---|
| Date | Nov 30, 2022 |
| Book Page | 4670/1861 |
| Instrument | 2022069713 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Dec 1, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 1976 CORNELL RD, MIDDLEBURG, FL 32068-5104 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1976 CORNELL RD, MIDDLEBURG, FL 32068-5104 |
| Document Number | 0044742133 |
|---|---|
| Date | Jun 28, 2021 |
| Book Page | 4474/2133 |
| Instrument | 2021039745 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jul 1, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 1976 CORNELL RD, MIDDLEBURG, FL 32068-5104 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1976 CORNELL RD, MIDDLEBURG, FL 32068-5104 |
| Document Number | 0044041571 |
|---|---|
| Date | Jan 20, 2021 |
| Book Page | 4404/1571 |
| Instrument | 2021003596 |
| Name | COMMERCE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92606 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 1976 CORNELL RD, MIDDLEBURG, FL 32068-5104 |
| Document Number | 0041321834 |
| Instrument Date | Aug 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1976 CORNELL RD MIDDLEBURG FL 320685104, MIDDLEBURG, FL 32068-5104 |
| Document Number | 0041321834 |
|---|---|
| Date | Oct 17, 2018 |
| Book Page | 004132/001834 |
| Instrument | 54550 |
| Name | ALTERRA HM LNS |
|---|---|
| Address | LAS VEGAS, NV 89145 |
| Amount | Amount on Record |
|---|---|
| Term | 336 Months |
| Due | Oct 16, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jun 5, 2017 |
| Property Address | 1976 CORNELL RD, MIDDLEBURG, FL 32068-5104 |
| Document Number | 0039790887 |
| Book / Page | 003979 / 000887 |
| Instrument Date | Jun 2, 2017 |
| Instrument | 28038 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2017 |
| Title Company | REALTY TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,505.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1976 CORNELL RD MIDDLEBURG FL 320685104, MIDDLEBURG, FL 32068-5104 |
| Document Number | 39790890 |
|---|---|
| Date | Jun 5, 2017 |
| Book Page | 003979/000890 |
| Instrument | 28040 |
| Name | ALTERRA HM LNS |
|---|---|
| Address | 350 S RAMPART BLVD # 310, LAS VEGAS, NV 89145-5758 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 4, 2047 |
The 2025 property tax bill for 1976 Cornell Rd was $4,851 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 | $4,851.00 Homeowner's exemption | $358,243 | $477,317 Land $65,000 Building $412,317 |
| 2023 | $2,388.00 (+8.2%) Homeowner's exemption | $161,562 (+3%) | $416,931 (+53.42%) Land $65,000 Building $351,931 |
| 2022 | $2,207.00 Homeowner's exemption | $156,857 | $271,751 Land $50,000 Building $221,751 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1976 Cornell Rd in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective July 6, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 77 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 77 in force |
| Nearby Flood Claims | 199 (1983–2023) |
| Claims Outside the SFHA | 17 of 199 |
| Most Recent Claim | Dec 2023 · river or lake flooding |
| 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 1976 Cornell Rd is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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