Clay County property record for 1997 Flora Ct, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,434 sqft · built 2001 |
| Lot Size | 0.176 acres (7,709 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $128,000 (May 2014) |
| Tax Bill | $1,611 (2025) |
| Deeds & Mortgages | Jan 2018 Loan Modification Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-05-25-008823-016-35 |
| Primary APN | 41-05-25-008823-016-35 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,434 sqft Heated Area |
| Gross Area | 2,175 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Exterior Material | Logs |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,709 sqft (0.176 acres) |
| Garage Area | 441 sqft |
| Porch | Porch |
| Porch Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1997 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 35 ORANGE PARK SOUTH UNIT14 AS REC O R 3640 PG 705 |
| Legal Range | 25 |
| Legal Township | 05 |
| Legal Section | 41 |
| Legal Subdivision | ORANGE PARK SOUTH |
| Legal Lot Number | 35 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1997 FLORA CT, MIDDLEBURG, FL 32068-7758 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 11, 2018 | Loan Modification, Mortgage · Conventional Mortgage BRANCH BK&TR |
| Dec 15, 2017 | Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 5, 2014 · Amount on Record |
| Deed Sale | May 5, 2014 · Amount on Record |
| Prior Sale | Nov 21, 2003 · Amount on Record |
| Deed Document Number | 2014022521 |
| Deed Book / Page | 3640 / 0705 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 1997 FLORA CT, MIDDLEBURG, FL 32068-7758 |
| Document Number | 0040471167 |
| Book / Page | 004047 / 001167 |
| Instrument Date | Jan 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2018 |
| Name | Verified Name |
|---|---|
| Address | 1997 FLORA CT MIDDLEBURG FL 320687758, MIDDLEBURG, FL 32068-7758 |
| Document Number | 0040471167 |
|---|---|
| Date | Jan 16, 2018 |
| Book Page | 004047/001167 |
| Instrument | 2397 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28258-0302 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 15, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 1997 FLORA CT, MIDDLEBURG, FL 32068-7758 |
| Document Number | 0040471280 |
| Book / Page | 004047 / 001280 |
| Instrument Date | Dec 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 1997 FLORA CT MIDDLEBURG FL 320687758, MIDDLEBURG, FL 32068-7758 |
| Document Number | 0040471280 |
|---|---|
| Date | Jan 16, 2018 |
| Book Page | 004047/001280 |
| Instrument | 2457 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 15, 2048 |
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 | $1,611.00 (-11.19%) Homeowner's exemption | $145,824 (+5.99%) | $261,630 (+2.01%) Land $40,000 Building $221,630 |
| 2023 | $1,814.00 (+10.48%) Homeowner's exemption | $137,588 (+3%) | $256,478 (+9.81%) Land $40,000 Building $216,478 |
| 2022 | $1,642.00 Homeowner's exemption | $133,581 | $233,561 Land $25,000 Building $208,561 |
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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