Clay County property record for 1978 Flora Ct, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,520 sqft · built 2001 |
| Lot Size | 0.204 acres (8,898 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $150,000 (Sep 2004) |
| Tax Bill | $1,229 (2025) |
| Deeds & Mortgages | May 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-05-25-008823-016-28 |
| Primary APN | 41-05-25-008823-016-28 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,520 sqft Heated Area |
| Gross Area | 2,088 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Exterior Material | Logs |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,898 sqft (0.204 acres) |
| Garage Area | 400 sqft |
| Porch | Porch |
| Porch Area | 48 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1978 FLORA CT |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-7758 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 28 ORANGE PARK SOUTH UNIT14 AS REC O R 2435 PG 1623 |
| Legal Range | 25 |
| Legal Township | 05 |
| Legal Section | 41 |
| Legal Subdivision | ORANGE PARK SOUTH |
| Legal Lot Number | 28 |
| Legal Unit | IT14 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 30708 |
Source: Clay County records, as of December 18, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 1978 FLORA CT, MIDDLEBURG, FL 32068-7758 |
| Occupancy | Owner Occupied |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2004 · Amount on Record |
| Deed Sale | Sep 30, 2004 · Amount on Record |
| Prior Sale | Nov 24, 2003 · Amount on Record |
| Deed Document Number | 2004077078 |
| Deed Book / Page | 2435 / 1623 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 1978 FLORA CT, MIDDLEBURG, FL 32068-7758 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 19784 FLORA COURT, MIDDLEBURG, FL 32068 |
| Document Number | 0046101372 |
|---|---|
| Date | May 23, 2022 |
| Book Page | 4610/1372 |
| Instrument | 2022032495 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
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 | $1,229.00 (-15.47%) Homeowner's exemption | $120,744 (+5.99%) | $263,105 (+2.02%) Land $40,000 Building $223,105 |
| 2023 | $1,454.00 (+12.45%) Homeowner's exemption | $113,925 (+3%) | $257,907 (+9.78%) Land $40,000 Building $217,907 |
| 2022 | $1,293.00 Homeowner's exemption | $110,607 | $234,939 Land $25,000 Building $209,939 |
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 23 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 23 in force |
| Nearby Flood Claims | 2 (2017) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| 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 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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.
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 283 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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