Clay County property record for 2096 Gander Ln, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,444 sqft · built 2003 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,238 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-05-23-000448-001-01 |
| Primary APN | 01-05-23-000448-001-01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,444 sqft Heated Area |
| Gross Area | 1,598 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Porch | Porch |
| Porch Area | 154 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2096 GANDER LN |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-3505 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF LOT 32 DUCK POND S1T5R23AS REC O R 2070 PG 2070 |
| Legal Range | 23 |
| Legal Township | 05 |
| Legal Section | 01 |
| Legal Subdivision | DUCK POND |
| Legal Lot Number | 32 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 30105 |
2096 Gander Ln is owned and occupied by two individuals who acquired it in July 2002.
Source: Clay County records, as of December 18, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2096 GANDER LN, MIDDLEBURG, FL 32068-3505 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 5, 2002 |
| Deed Sale | Jul 5, 2002 |
| Deed Document Number | 200240241 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 2096 GANDER LN, MIDDLEBURG, FL 32068-3505 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0045071305 |
|---|---|
| Date | Sep 10, 2021 |
| Book Page | 4507/1305 |
| Instrument | 2021057095 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
The 2025 property tax bill for 2096 Gander Ln was $1,238 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 | $1,238.00 Homeowner's exemption | $121,341 | $234,650 Land $50,000 Building $184,650 |
| 2023 | $1,463.00 (+12.45%) Homeowner's exemption | $114,488 (+3%) | $207,220 (+16.45%) Land $30,000 Building $177,220 |
| 2022 | $1,301.00 Homeowner's exemption | $111,154 | $177,950 Land $25,000 Building $152,950 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2096 Gander Ln in Zone X, an area of minimal flood risk.
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 14 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 14 in force |
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 2096 Gander Ln is moderate, ranking above 50% 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 50% of the US · lower than 79% 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: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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