2674 Co Rd 220, Middleburg, FL 32068 Property Records

Clay County property record for 2674 Co Rd 220, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,736 sqft · built 1977
Lot Size	1.9 acres (82,764 sqft)
Owner	Individual Name on Record
Tax Bill	$2,055 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Jul 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`34-04-25-008166-002-00`

Property Details

APN / Parcel Number

Primary APN	`34-04-25-008166-002-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,736 sqft Living Area
Gross Area	2,432 sqft
1st Floor Area	896 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1983
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	82,764 sqft (1.9 acres)
Garage Type	Attached
Garage Area	528 sqft

Exterior Amenities

Porch	Finished Screened Porch
Porch Area	280 sqft
Deck Area	210 sqft
Storage Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2674 COUNTY ROAD 220
City	MIDDLEBURG
State	FL
Zip	32068-4200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT E1/2 OF SE1/4 AS REC OR 4348 PG 922, 4488 PG 612
Legal Range	25E
Legal Township	04S
Legal Section	34
Legal Block	420
Legal Lot Number	420
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2000
Census Tract	30905

Owner

Source: Clay County records, as of December 22, 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
Mailing Address	2674 COUNTY ROAD 220, MIDDLEBURG, FL 32068-4200
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2023	Deed of Trust, Mortgage · Line of Credit FLORIDA CU
Jul 30, 2024	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Dec 1, 2025	Intrafamily Transfer, Transfer · FHA Mortgage NEW AMERICAN FUNDING
Jul 28, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NA
Sep 1, 2020	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2025
Deed Sale	Dec 1, 2025
Prior Sale	Sep 1, 2020 · Amount on Record
Deed Document Number	202556001
Deed Book / Page	4992 / 1
Prior Transfer Date	Nov 21, 2025
Prior Transfer Doc	0049920001
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	2674 COUNTY ROAD 220, MIDDLEBURG, FL 32068-4200
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046841185
Date	Jan 25, 2023
Book Page	4684/1185
Instrument	2023003622

Lender

Name	FLORIDA CU
Type	Credit Union
Address	GAINESVILLE, FL 32627

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	108 Months
Due	Jan 24, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	2674 COUNTY ROAD 220, MIDDLEBURG, FL 32068-4200
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2670 COUNTY ROAD 220, MIDDLEBURG, FL 32068-4200

Mortgage

Document Number	0048441063
Date	Jul 30, 2024
Book Page	4844/1063
Instrument	2024035470

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY FL
Recording Date	Dec 1, 2025
Property Address	2674 COUNTY ROAD 220, MIDDLEBURG, FL 32068-4200
Document Number	0049920001
Book / Page	4992 / 1
Instrument Date	Nov 21, 2025
Instrument	2025056001
Transaction Type	Transfer
Record Updated	Dec 24, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4340 BONDARENKO RD, KEYSTONE HEIGHTS, FL 32656-9748

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2674 COUNTY ROAD 220, MIDDLEBURG, FL 32068-4200

Mortgage

Document Number	0000049926
Date	Dec 1, 2025
Instrument	4992/6

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	6.5%
Index	1-Year CMT
Margin	2
Max Rate	5%

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY FL
Recording Date	Jul 28, 2021
Property Address	2670 COUNTY ROAD 220, MIDDLEBURG, FL 32068-4200
Document Number	0044880612
Book / Page	4488 / 612
Instrument Date	Jun 8, 2021
Instrument	2021046724
Transaction Type	Transfer
Record Updated	Aug 11, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2670 COUNTY ROAD 220, MIDDLEBURG, FL 32068-4200

Mortgage

Document Number	4488616
Date	Jul 28, 2021
Instrument	4488/616

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2041

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Sep 1, 2020
Property Address	2670 COUNTY ROAD 220, MIDDLEBURG, FL 32068-4200
Document Number	0043480922
Book / Page	4348 / 922
Instrument Date	Aug 28, 2020
Instrument	2020044843
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	LANDMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2670 COUNTY ROAD 220, 2670, MIDDLEBURG, FL 32068-4200

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2670 COUNTY ROAD 220, MIDDLEBURG, FL 32068-4200

Mortgage

Document Number	0004348925
Date	Sep 1, 2020
Instrument	4348/925

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: Clay County assessment roll, as of December 3, 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	$2,055.00 (+5.06%) Homeowner's exemption	$174,881 (+5.99%)	$292,035 (+26.65%) Land $123,500 Building $168,535
2024	$1,956.00 (-12.29%)
2023	$2,230.00 (+8.94%) Homeowner's exemption	$165,003 (+3%)	$230,590 (+26.49%) Land $66,500 Building $164,090
2022	$2,047.00 Homeowner's exemption	$160,198	$182,295 Land $38,000 Building $144,295

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 24 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	6 (2021–2023)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Dec 2023 · river or lake flooding

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 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 285 locations within half a mile, as of December 31, 2025

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

May also be available: IQ Fiber.

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