Clay County property record for 3108 Peppertree Dr, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,430 sqft · built 2001 |
| Lot Size | 0.433 acres (18,901 sqft) |
| Owner | Individual Name on File |
| Last Sale | $320,000 (Jul 2020) |
| Tax Bill | $6,001 (2025) |
| Deeds & Mortgages | Aug 2017 Mortgage Jul 2020 Sale |
| Flood Zone | Zone X (moderate risk) |
| APN | 45-05-25-008989-012-84 |
| Primary APN | 45-05-25-008989-012-84 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,430 sqft Heated Area |
| Gross Area | 3,119 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 18,901 sqft (0.433 acres) |
| Garage Area | 441 sqft |
| Pool Area | 450 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 88 sqft |
| Patio Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3108 PEPPERTREE DR |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-8200 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 236 VILLAGES OF FIRESIDE U2-C AS REC O R 4325 PG 1 |
| Legal Range | 25 |
| Legal Township | 05 |
| Legal Section | 45 |
| Legal Subdivision | VILLAGES OF FIRESIDE |
| Legal Lot Number | 236 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 30210 |
3108 Peppertree Dr is owned and occupied by an individual who bought it in July 2020.
Source: Clay County records, as of December 18, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3108 PEPPERTREE DR, MIDDLEBURG, FL 32068-8200 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 2, 2017 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jul 1, 2020 | Warranty Deed, Transfer WATSON TITLE SERVICES/N FL INC, WATSON TITLE SVCS/N FL INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2020 · Amount on File |
| Deed Sale | Jul 1, 2020 · Amount on File |
| Prior Sale | Aug 20, 2001 · Amount on File |
| Deed Document Number | 2020032772 |
| Deed Book / Page | 4325 / 1 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 3108 PEPPERTREE DR, MIDDLEBURG, FL 32068-8200 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0039981593 |
|---|---|
| Date | Aug 2, 2017 |
| Book Page | 3998/1593 |
| Instrument | 2017039173 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jul 1, 2020 |
| Property Address | 3108 PEPPERTREE DR, MIDDLEBURG, FL 32068-8200 |
| Document Number | 0043250001 |
| Book / Page | 004325 / 000001 |
| Instrument Date | Jun 29, 2020 |
| Instrument | 32772 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2020 |
| Title Company | WATSON TITLE SERVICES/N FL INC, WATSON TITLE SVCS/N FL INC |
| Amount | Amount on Record |
|---|---|
| Tax | $2,240.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3108 PEPPERTREE DR MIDDLEBURG FL 320688200, MIDDLEBURG, FL 32068-8200 |
The 2025 property tax bill for 3108 Peppertree Dr was $6,001.
Source: Clay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,001.00 | $393,460 Land $60,000 Building $333,460 | $393,460 Land $60,000 Building $333,460 |
| 2023 | $5,648.00 (+14.05%) | $381,633 (+15.63%) Land $60,000 Building $321,633 | $381,633 (+15.63%) Land $60,000 Building $321,633 |
| 2022 | $4,952.00 | $330,037 Land $50,000 Building $280,037 | $330,037 Land $50,000 Building $280,037 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3108 Peppertree Dr in Zone X, an area of moderate flood risk, though there have been 2 flood claims nearby since 2017.
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 |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 32 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 32 in force |
| Nearby Flood Claims | 2 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
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 risk around 3108 Peppertree Dr is low, with a 0.05% annual chance of 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 | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 78 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
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