Clay County property record for 2040 Cornell Rd, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,743 sqft · built 1996 |
| Lot Size | 0.208 acres (9,104 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $490,000 (Sep 2021) |
| Tax Bill | $5,006 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Jul 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 12-05-24-006187-000-00 |
| Primary APN | 12-05-24-006187-000-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,743 sqft Heated Area |
| Gross Area | 4,124 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,104 sqft (0.208 acres) |
| Lot Dimensions | 127 ft deep x 72 ft wide |
| Garage Area | 897 sqft |
| Pool Area | 572 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 346 sqft |
| Deck Area | 232 sqft |
| Canopy | 408 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2040 CORNELL RD |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-5106 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR-2 |
| Legal Description | LOT 12 BLACK CREEK HILLS AS REC O R 4512 PG 1675 |
| Legal Range | 24 |
| Legal Township | 05 |
| Legal Section | 12 |
| Legal Subdivision | BLACK CREEK |
| Legal Lot Number | 12 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 30103 |
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 | 2040 CORNELL RD, MIDDLEBURG, FL 32068-5106 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 23, 2021 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Jul 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2021 · Amount on Record |
| Deed Sale | Sep 23, 2021 · Amount on Record |
| Deed Document Number | 2021059943 |
| Deed Book / Page | 4512 / 1675 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Sep 23, 2021 |
| Property Address | 2040 CORNELL RD, MIDDLEBURG, FL 32068-5106 |
| Document Number | 0045121675 |
| Book / Page | 4512 / 1675 |
| Map Reference | MB 7 PG 45&46 |
| Instrument Date | Sep 17, 2021 |
| Instrument | 2021059943 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2021 |
| Title Company | FLORIDA HOME SETTLEMENT SERVICES LLC, FLORIDA HOME STLMT SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,430.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2040 CORNELL RD, 2040, MIDDLEBURG, FL 32068-5106 |
| Name | Verified Name |
|---|---|
| Address | 2040 CORNELL RD, MIDDLEBURG, FL 32068-5106 |
| Document Number | 45121677 |
|---|---|
| Date | Sep 23, 2021 |
| Instrument | 4512/1677 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 2040 CORNELL RD, MIDDLEBURG, FL 32068-5106 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2040 CORNELL RD, MIDDLEBURG, FL 32068-5106 |
| Document Number | 0044781974 |
|---|---|
| Date | Jul 7, 2021 |
| Book Page | 4478/1974 |
| Instrument | 2021041780 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Apr 1, 2051 |
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 | $5,006.00 (-3.97%) Homeowner's exemption | $368,390 (+5.99%) | $477,952 (+9.4%) Land $65,000 Building $412,952 |
| 2023 | $5,213.00 (+6.93%) Homeowner's exemption | $347,581 (+4.64%) | $436,877 (+16.33%) Land $65,000 Building $371,877 |
| 2022 | $4,875.00 Homeowner's exemption | $332,182 | $375,565 Land $50,000 Building $325,565 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 121 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 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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