231 Peppermint Ave, Middleburg, FL 32068 Property Records

Clay County property record for 231 Peppermint Ave, Middleburg, FL 32068

Property Summary

Property Type	Mobile Home
Details	5 bd · 3 ba · 2,304 sqft · built 2018
Lot Size	1.71 acres (74,487 sqft)
Owner	Individual Name on File
Last Sale	$25,900 (Jan 2018)
Tax Bill	$1,865 (2025)
Deeds & Mortgages	Jan 2020 Mortgage May 2018 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-05-24-005931-004-01`

Property Details

APN / Parcel Number

Primary APN	`04-05-24-005931-004-01`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,304 sqft Heated Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	74,487 sqft (1.71 acres)
Deck Area	640 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Septic

Location & Zoning

Street Address	231 PEPPERMINT AVE
City	MIDDLEBURG
State	FL
Zip	32068-4646
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	AR
Legal Description	PT OF SW1/4 S4T5R24 A/K/A LOT1 MIMOSA CREEK ACS UNREC AS REC O R 4049 PG 1092
Legal Range	24
Legal Township	05
Legal Section	04
Legal Subdivision	MIMOSA CREEK
Legal Lot Number	1
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	2
Census Block	2005
Census Tract	30103

Owner

231 Peppermint Ave, a mobile home, is owned and occupied by an individual who bought it in January 2018.

Source: Clay County records, as of December 18, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	231 PEPPERMINT AVE, MIDDLEBURG, FL 32068-4646
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC
May 25, 2018	Loan Modification, Mortgage AMERICAN FIN'L RSRCS
Jan 22, 2018	Special Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC
May 15, 2017	Trustee's Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2018 · Amount on File
Deed Sale	Jan 22, 2018 · Amount on File
Prior Sale	May 15, 2017
Deed Document Number	2018003595
Deed Book / Page	4049 / 1092
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	231 PEPPERMINT AVE, MIDDLEBURG, FL 32068-4646
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042691205
Date	Jan 14, 2020
Book Page	4269/1205
Instrument	2020002392

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Nov 1, 2049

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY FL
Property Address	231 PEPPERMINT AVE, MIDDLEBURG, FL 32068-4646
Document Number	0040910600
Instrument Date	May 25, 2018
Transaction Type	Mortgage
Record Updated	Jun 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	231 PEPPERMINT AVE MIDDLEBURG FL 320684646, MIDDLEBURG, FL 32068-4646

Mortgage

Document Number	0040910600
Date	Jun 7, 2018
Book Page	004091/000600
Instrument	29260

Lender

Name	AMERICAN FIN'L RSRCS
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 6, 2048

January 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jan 22, 2018
Property Address	231 PEPPERMINT AVE, MIDDLEBURG, FL 32068-4646
Document Number	0040491092
Book / Page	4049 / 1092
Instrument Date	Jan 17, 2018
Instrument	2018003595
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	REALTY TITLE INC

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 N CENTER ST, 100, NEWTON FALLS, OH 44444-1321

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 PEPPERMINT AVE, MIDDLEBURG, FL 32068-4646

Mortgage

Document Number	2018003596
Date	Jan 22, 2018
Instrument	2018003596

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

May 2017: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	CLAY FL
Recording Date	May 15, 2017
Property Address	231 PEPPERMINT AVE, MIDDLEBURG, FL 32068-4646
Document Number	0039721572
Book / Page	003972 / 001572
Instrument Date	May 12, 2017
Instrument	24313
Transaction Type	Transfer
Record Updated	Sep 11, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	231 PEPPERMINT AVE MIDDLEBURG FL 320684646, MIDDLEBURG, FL 32068-4646

Tax Assessment & Valuation

The 2025 property tax bill for 231 Peppermint Ave was $1,865 with a homeowner's exemption.

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	$1,865.00 Homeowner's exemption	$162,452	$379,184 Land $80,924 Building $298,260
2023	$2,052.00 (+9.5%) Homeowner's exemption	$153,276 (+3%)	$301,780 (+32.71%) Land $49,111 Building $252,669
2022	$1,874.00 Homeowner's exemption	$148,812	$227,406 Land $40,959 Building $186,447

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

Flood

FEMA maps place 231 Peppermint Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	8 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

Wildfire risk around 231 Peppermint Ave is moderate, ranking above 53% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.09% 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 90 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 · Fiber in parts of the area	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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