2986 Florence Dr, Middleburg, FL 32068 Property Records

Clay County property record for 2986 Florence Dr, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,865 sqft · built 1997
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on Record
Last Sale	$13,500 (Feb 1995)
Tax Bill	$2,555 (2025)
Deeds & Mortgages	May 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`30-05-25-010120-013-00`

Property Details

APN / Parcel Number

Primary APN	`30-05-25-010120-013-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,865 sqft Heated Area
Gross Area	2,748 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	65,340 sqft (1.5 acres)
Garage Area	1,472 sqft

Exterior Amenities

Pool Area	612 sqft
Porch	Porch
Porch Area	156 sqft
Patio Area	170 sqft
Fence	Fence
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2986 FLORENCE DR
City	MIDDLEBURG
State	FL
Zip	32068-7223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SE1/4 SEC 19 & PT SEC 30 ASREC O R 1539 PG 588
Legal Range	25
Legal Township	05
Legal Section	30
Jurisdiction	CLAY FL
Township / Civil Division	PENNEY FARMS
Census Block Group	2
Census Block	2015
Census Tract	31203

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	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	PO BOX 326, MIDDLEBURG, FL 32050-0326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 1995 · Amount on Record
Deed Sale	Feb 2, 1995 · Amount on Record
Deed Document Number	0001539588
Record Updated	Jun 8, 2026

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY FL
Property Address	2986 FLORENCE DR, MIDDLEBURG, FL 32068-7223
Document Number	0040862021
Instrument Date	May 14, 2018
Transaction Type	Mortgage
Record Updated	Jun 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2986 FLORENCE DR MIDDLEBURG FL 320687223, MIDDLEBURG, FL 32068-7223

Mortgage

Document Number	0040862021
Date	May 24, 2018
Book Page	004086/002021
Instrument	26720

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 23, 2038

Interest

Rate Type	Fixed Rate
Rate	4.5%

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	$2,555.00 (-5.37%) Homeowner's exemption	$207,676 (+5.99%)	$402,445 (+3.26%) Land $67,500 Building $334,945
2023	$2,700.00 (+7.83%) Homeowner's exemption	$195,946 (+3%)	$389,732 (+19.6%) Land $67,500 Building $322,232
2022	$2,504.00 Homeowner's exemption	$190,239	$325,876 Land $45,000 Building $280,876

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 58 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	58 in force
Nearby Flood Claims	10 (2012–2017)
Claims Outside the SFHA	3 of 10
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 9 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 43% 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	LAKE ASBURY GRID private · serves 27,001 people · EPA ID FL2100626
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20