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3003 Bent Bow Ln, Middleburg, FL 32068 Property Records

Clay County property record for 3003 Bent Bow Ln, Middleburg, FL 32068 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,183 sqft · built 2007
Lot Size0.153 acres (6,695 sqft)
Owner2 Owner Names on File
Last Sale$237,600 (Nov 2007)
Tax Bill$1,651 (2025)
Deeds & MortgagesJul 2023 Line of Credit
Sep 2021 Mortgage
Flood ZoneZone X (moderate risk)
APN03-05-25-008987-001-32

Property Details

APN / Parcel Number

Primary APN03-05-25-008987-001-32

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,183 sqft Heated Area
Gross Area2,777 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2007
Exterior MaterialStucco
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,695 sqft (0.153 acres)
Garage Area429 sqft
PorchPorch
Porch Area55 sqft
Patio Area110 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address3003 BENT BOW LN
CityMIDDLEBURG
StateFL
Zip32068-8251
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 132 WOODBRIDGE UNIT ONE ASREC O R 2967 PG 239
Legal Range25
Legal Township05
Legal Section03
Legal SubdivisionWOODBRIDGE
Legal Lot Number132
Legal Unit1
JurisdictionCLAY FL
Township / Civil DivisionORANGE PARK
Census Block Group1
Census Block1006
Census Tract30905

Owner

Source: Clay County records · APN 03-05-25-008987-001-32

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record2 Owner Names on File
Mailing Address3003 BENT BOW LN, MIDDLEBURG, FL 32068-8251
OccupancyOwner Occupied

Deeds, Mortgages & Sale History

DateDocument
Jul 17, 2023Deed of Trust, Mortgage · Line of Credit
FIGURE LENDING LLC
Sep 13, 2021Deed of Trust, Mortgage · VA Mortgage
THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 21, 2007 · Amount on Record
Deed SaleNov 21, 2007 · Amount on Record
Deed Document Number2007068773
Deed Book / Page2967 / 0239
Record UpdatedJun 08, 2026

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY FL
Property Address3003 BENT BOW LN, MIDDLEBURG, FL 32068-8251
Transaction TypeMortgage
Record UpdatedAug 18, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address3003 BENT BOW LN, MIDDLEBURG, FL 32068-8251

Mortgage

Document Number0047390074
DateJul 17, 2023
Book Page4739/74
Instrument2023035476
Lender
NameFIGURE LENDING LLC
TypeMortgage Company
AddressCHARLOTTE, NC 28202
Agreement
TypeLine of Credit
AmountAmount Recorded
Term361 Months
DueAug 07, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY FL
Property Address3003 BENT BOW LN, MIDDLEBURG, FL 32068-8251
Transaction TypeMortgage
Record UpdatedSep 24, 2021
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address3003 BENT BOW LN, MIDDLEBURG, FL 32068-8251

Mortgage

Document Number0045080192
DateSep 13, 2021
Book Page4508/192
Instrument2021057345
Lender
NameTHE FEDERAL SAVINGS BANK
TypeBank
AddressCHICAGO, IL 60639
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2051

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyClay County
Unified School DistrictClay County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$1,651.00 (-17.2%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$158,434 (+5.99%)$320,866 (+5.52%) Land $50,000 Building $270,866
2023$1,994.00 (+9.68%) Homeowner's exemption$149,485 (+3%)$304,072 (+18.19%) Land $50,000 Building $254,072
2022$1,818.00 Homeowner's exemption$145,132$257,277 Land $40,000 Building $217,277

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (12019C), updated July 6, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120190309051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardModerate
500-Year FloodplainYes
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 97 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies97 in force
Nearby Flood Claims15 (2017)
Most Recent ClaimSep 2017, rainfall accumulation, Hurricane Irma
Claims By Storm
  • Hurricane Irma, Sep 2017 · 15 claims

Wildfire

Wildfire RiskModerate
above 45% of the US · above 15% of Florida
Wildfire LikelihoodAbout 1 in 1,370 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 129 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable1,200 / 35
AT&TFiber1,000 / 1,000
VerizonFixed Wireless300 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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