1987 Flora Ct, Middleburg, FL 32068 Property Records

Clay County property record for 1987 Flora Ct, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,259 sqft · built 2001
Lot Size	0.15 acres (6,577 sqft)
Owner	2 Individual Names on File
Last Sale	$170,500 (Dec 2018)
Tax Bill	$1,713 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-05-25-008823-016-33`

Property Details

APN / Parcel Number

Primary APN	`41-05-25-008823-016-33`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,259 sqft Heated Area
Gross Area	1,760 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,577 sqft (0.15 acres)
Lot Dimensions	110 ft deep x 60 ft wide
Garage Area	361 sqft
Porch	Porch
Porch Area	20 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1987 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 33 ORANGE PARK SOUTH UNIT14 AS REC O R 4153 PG 493
Legal Range	25
Legal Township	05
Legal Section	41
Legal Subdivision	ORANGE PARK SOUTH
Legal Lot Number	33
Legal Unit	IT14
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	1
Census Block	1000
Census Tract	30708

Owner

1987 Flora Ct is owned and occupied by two individuals who bought it in December 2018.

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	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	1987 FLORA CT, MIDDLEBURG, FL 32068-7758
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2018 · Amount on File
Deed Sale	Dec 28, 2018 · Amount on File
Prior Sale	Aug 21, 2001 · Amount on File
Deed Document Number	0004153493
Deed Book / Page	4153 / 0493
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	1987 FLORA CT, MIDDLEBURG, FL 32068-7758
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043210810
Date	Jun 23, 2020
Book Page	4321/810
Instrument	2020030982

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1987 Flora Ct was $1,713 with exemptions applied.

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	$1,713.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$162,495	$231,587 Land $40,000 Building $191,587
2023	$1,901.00 (+6.14%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$153,317 (+3%)	$227,306 (+10.79%) Land $40,000 Building $187,306
2022	$1,791.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$148,852	$205,167 Land $25,000 Building $180,167

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1987 Flora Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.

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 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	Hurricane Irma, Sep 2017 · 2 claims

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

Wildfire risk around 1987 Flora Ct is low, with a 0.03% annual chance of wildfire.

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.

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 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