2197 Snap Ct, Middleburg, FL 32068 Property Records

Clay County property record for 2197 Snap Ct, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,170 sqft · built 1997
Lot Size	0.368 acres (16,073 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Oct 2020)
Tax Bill	$3,343 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-05-24-005966-003-02`

Property Details

APN / Parcel Number

Primary APN	`10-05-24-005966-003-02`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,170 sqft Heated Area
Gross Area	2,824 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,073 sqft (0.368 acres)
Lot Dimensions	230 ft deep x 70 ft wide
Garage Area	442 sqft
Porch	Porch
Porch Area	212 sqft
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2197 SNAP CT
City	MIDDLEBURG
State	FL
Zip	32068-5077
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-2
Legal Description	LOT 2 TRAIL RIDGE AS REC O R 4364 PG 391
Legal Range	24
Legal Township	05
Legal Section	10
Legal Subdivision	TRAIL RIDGE
Legal Lot Number	2
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	1
Census Block	1000
Census Tract	30103

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2197 SNAP CT, MIDDLEBURG, FL 32068-5077
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2020 · Amount on Record
Deed Sale	Oct 13, 2020 · Amount on Record
Prior Sale	Nov 17, 2004 · Amount on Record
Deed Document Number	2020053197
Deed Book / Page	4364 / 391
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Oct 13, 2020
Property Address	2197 SNAP CT, MIDDLEBURG, FL 32068-5077
Document Number	0043640391
Book / Page	4364 / 391
Map Reference	MB 23 PG 25&26
Instrument Date	Oct 9, 2020
Instrument	2020053197
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3711 SWANS LANDING DR, 3711, LAND O LAKES, FL 34639-4442

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 BRIGHT AVE, NEW ALBANY, MS 38652-5915

Mortgage

Document Number	0004364394
Date	Oct 13, 2020
Instrument	4364/394

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

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	$3,343.00 (-2.82%) Homeowner's exemption	$259,364 (+5.99%)	$367,805 (+6.29%) Land $50,000 Building $317,805
2023	$3,440.00 (+6.67%) Homeowner's exemption	$244,714 (+3%)	$346,028 (+23.93%) Land $50,000 Building $296,028
2022	$3,225.00 Homeowner's exemption	$237,587	$279,206 Land $35,000 Building $244,206

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

Flood

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 31 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	31 in force
Nearby Flood Claims	54 (1991–2017)
Claims Outside the SFHA	12 of 54
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 23 claims Tropical Storm Debby, Jun 2012 · 14 claims Severe Storms, High Winds, Tornadoes, And Flooding, Feb 1998 · 4 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · lower than 81% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20