2995 Bent Bow Ln, Middleburg, FL 32068 Property Records

Clay County property record for 2995 Bent Bow Ln, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,055 sqft · built 2007
Lot Size	0.412 acres (17,982 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,821 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`03-05-25-008987-001-34`

Property Details

APN / Parcel Number

Primary APN	`03-05-25-008987-001-34`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,055 sqft Heated Area
Gross Area	3,734 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,982 sqft (0.412 acres)
Garage Area	441 sqft

Exterior Amenities

Pool Area	420 sqft
Porch	Porch
Porch Area	28 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2995 BENT BOW LN
City	MIDDLEBURG
State	FL
Zip	32068-8249
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Description	LOT 134 WOODBRIDGE UNIT ONE ASREC O R 4449 PG 1263, 4534 PG338FJ & 4619 PG 723
Legal Range	25
Legal Township	05
Legal Section	03
Legal Subdivision	WOODBRIDGE
Legal Lot Number	134
Legal Unit	1
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	1
Census Block	1006
Census Tract	30905

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2995 BENT BOW LN, MIDDLEBURG, FL 32068-8249
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2022
Deed Sale	Jun 16, 2022
Prior Sale	Sep 19, 2014 · Amount on Record
Deed Document Number	0004619723
Deed Book / Page	4449 / 1263
Prior Transfer Date	Apr 28, 2021
Prior Transfer Doc	2021026326
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Apr 28, 2021
Property Address	2995 BENT BOW LN, MIDDLEBURG, FL 32068-8249
Document Number	0044491263
Book / Page	4449 / 1263
Map Reference	MB 51 PG 1-9
Instrument Date	Apr 23, 2021
Instrument	2021026326
Transaction Type	Transfer
Record Updated	Jan 25, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1797 OSPREY LANDING CT, FLEMING ISLAND, FL 32003-4995

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4240 PACKER MEADOW WAY, MIDDLEBURG, FL 32068-8818

Mortgage

Document Number	0044491265
Date	Apr 28, 2021
Instrument	4449/1265

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 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	$5,821.00 (+0.92%) Homeowner's exemption	$421,838 (+5.99%)	$431,996 (+5.53%) Land $50,000 Building $381,996
2023	$5,768.00 (+9.95%) Homeowner's exemption	$398,010 (+20.27%)	$409,345 (+23.69%) Land $50,000 Building $359,345
2022	$5,246.00	$330,939 Land $40,000 Building $290,939	$330,939 Land $40,000 Building $290,939

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 97 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	97 in force
Nearby Flood Claims	15 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 15 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 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20