2828 Co Rd 220, Middleburg, FL 32068 Property Records

Clay County property record for 2828 Co Rd 220, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,668 sqft · built 1915
Lot Size	0.73 acres (31,798 sqft)
Owner	Individual Name on Record
Last Sale	$214,900 (Aug 2018)
Tax Bill	$2,519 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-04-25-008176-002-00`

Property Details

APN / Parcel Number

Primary APN	`34-04-25-008176-002-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,668 sqft Living Area
1st Floor Area	1,252 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1983
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	31,798 sqft (0.73 acres)
Lot Dimensions	165 ft deep x 160 ft wide
Porch	Screened/Unfinished Porch
Porch Area	392 sqft
Storage Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2828 COUNTY ROAD 220
City	MIDDLEBURG
State	FL
Zip	32068-4206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NW1/4 OF SW1/4 N OF RD S34T4R25 AS REC OR 4119 PG 443
Legal Range	25E
Legal Township	04S
Legal Section	34
Legal Block	419
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 3, 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	2828 COUNTY ROAD 220, MIDDLEBURG, FL 32068-4206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Aug 30, 2018	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2018 · Amount on Record
Deed Sale	Aug 30, 2018 · Amount on Record
Prior Sale	Feb 9, 2012 · Amount on Record
Deed Document Number	201845939
Deed Book / Page	4119 / 443
Prior Transfer Date	Mar 7, 2016
Prior Transfer Doc	0038360776
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	2828 COUNTY ROAD 220, MIDDLEBURG, FL 32068-4206
Transaction Type	Mortgage
Record Updated	Oct 11, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2828 COUNTY ROAD 220, MIDDLEBURG, FL 32068-4206

Mortgage

Document Number	0045160226
Date	Sep 30, 2021
Book Page	4516/226
Instrument	2021061657

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Aug 30, 2018
Property Address	2828 COUNTY ROAD 220, MIDDLEBURG, FL 32068-4206
Document Number	0041190443
Book / Page	004119 / 000443
Instrument Date	Aug 30, 2018
Instrument	45939
Transaction Type	Transfer
Record Updated	Sep 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,504.30
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2828 COUNTY RD #200 MIDDLEBURG FL 32068, 200, MIDDLEBURG, FL 32068

Mortgage

Document Number	41190446
Date	Aug 30, 2018
Book Page	004119/000446
Instrument	45940

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2048

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	$2,519.00 (+2.86%) Homeowner's exemption Veteran's exemption Widower's exemption	$205,249 (+3.45%)	$221,141 (+2.47%) Land $45,000 Building $176,141
2024	$2,449.00 (-8.82%)
2023	$2,686.00 (+9.95%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption	$198,403 (+8.01%)	$215,809 (+10.08%) Land $45,000 Building $170,809
2022	$2,443.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$183,690	$196,047 Land $45,000 Building $151,047

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.05% 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 139 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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