2734 Howard Rd, Middleburg, FL 32068 Property Records

Clay County property record for 2734 Howard Rd, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1968
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$144,900 (Feb 2006)
Tax Bill	$519 (2025)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-05-24-006444-000-00`

Property Details

APN / Parcel Number

Primary APN	`22-05-24-006444-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Heated Area
Gross Area	1,456 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1968
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	210 ft deep x 210 ft wide
Porch	Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2734 HOWARD RD
City	MIDDLEBURG
State	FL
Zip	32068-5637
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE1/4 AS REC O R 2679 PG 1774
Legal Range	24
Legal Township	05
Legal Section	22
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	1
Census Block	1001
Census Tract	30106

Owner

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
Mailing Address	2734 HOWARD RD, MIDDLEBURG, FL 32068-5637
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2006 · Amount on Record
Deed Sale	Feb 17, 2006 · Amount on Record
Prior Sale	Oct 21, 2004 · Amount on Record
Deed Document Number	2006011863
Deed Book / Page	2679 / 1774
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	2734 HOWARD RD, MIDDLEBURG, FL 32068-5637
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2734 HOWARD RD, MIDDLEBURG, FL 32068-5637

Mortgage

Document Number	0044030954
Date	Jan 15, 2021
Book Page	4403/954
Instrument	2021003040

Lender

Name	EMM LOANS LLC
Type	Mortgage Company
Address	CHERRY HILL, NJ 08002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

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	$519.00 (-36.55%) Homeowner's exemption	$72,007 (+5.99%)	$181,988 (+9.86%) Land $25,000 Building $156,988
2023	$818.00 (+18.04%) Homeowner's exemption	$67,940 (+3%)	$165,650 (+25.95%) Land $25,000 Building $140,650
2022	$693.00 Homeowner's exemption	$65,962	$131,517 Land $12,000 Building $119,517

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	5 (2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 5 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 46% of the US · lower than 83% 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.

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 76 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20