3130 Thunder Rd, Middleburg, FL 32068 Property Records

Clay County property record for 3130 Thunder Rd, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,590 sqft · built 2000
Lot Size	25.7 acres (1,122,976 sqft)
Owner	Individual Name on File
Last Sale	$850,000 (Oct 2021)
Tax Bill	$8,636 (2025)
Deeds & Mortgages	Oct 2021 Sale May 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-05-25-010138-001-00`

Property Details

APN / Parcel Number

Primary APN	`31-05-25-010138-001-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,590 sqft Heated Area
Gross Area	5,726 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,122,976 sqft (25.7 acres)

Exterior Amenities

Porch	Porch
Porch Area	864 sqft
Deck Area	580 sqft
Patio Area	280 sqft
Storage Building	1,107 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Septic

Location & Zoning

Street Address	3130 THUNDER RD
City	MIDDLEBURG
State	FL
Zip	32068-7181
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF NW1/4 S31T5R25 AS REC OR 4524 PG 2076
Legal Range	25
Legal Township	05
Legal Section	31
Jurisdiction	CLAY FL
Township / Civil Division	PENNEY FARMS
Census Block Group	1
Census Block	1007
Census Tract	31201

Owner

3130 Thunder Rd is owned and occupied by an individual who bought it in October 2021.

Source: Clay County records, as of January 5, 2026

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	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3130 THUNDER RD, MIDDLEBURG, FL 32068-7181
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2021	Warranty Deed, Transfer ATLANTIC EAST TITLE, ATLANTIC COAST T&E
May 15, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 18, 2017	Warranty Deed, Transfer · ARM AMERIS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2021 · Amount on File
Deed Sale	Oct 20, 2021 · Amount on File
Prior Sale	May 15, 2020
Deed Document Number	0045242076
Deed Book / Page	4524 / 2076
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Oct 20, 2021
Property Address	3130 THUNDER RD, MIDDLEBURG, FL 32068-7181
Document Number	0045242076
Book / Page	4524 / 2076
Instrument Date	Oct 20, 2021
Instrument	2021066613
Transaction Type	Transfer
Record Updated	Nov 1, 2021
Title Company	ATLANTIC EAST TITLE, ATLANTIC COAST T&E

Transaction

Amount	Amount on Record
Tax	$5,950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3130 THUNDER RD, 3130, MIDDLEBURG, FL 32068-7181

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3130 THUNDER RD, MIDDLEBURG, FL 32068-7181

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY FL
Recording Date	May 15, 2020
Property Address	3130 THUNDER RD, MIDDLEBURG, FL 32068-7181
Document Number	0043080158
Book / Page	004308 / 000158
Instrument Date	May 14, 2020
Instrument	23990
Transaction Type	Transfer
Record Updated	May 25, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3130 THUNDER RD MIDDLEBURG FL 320687181, MIDDLEBURG, FL 32068-7181

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jul 18, 2017
Property Address	3130 THUNDER RD, MIDDLEBURG, FL 32068-7181
Document Number	0039931246
Book / Page	3993 / 1246
Instrument Date	Jul 17, 2017
Instrument	2017036276
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 BAY ST UNIT 203, 120, GREEN COVE SPRINGS, FL 32043-4101

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 4383, SAINT AUGUSTINE, FL 32085-4383

Mortgage

Document Number	2017036277
Date	Jul 18, 2017
Instrument	2017036277

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Aug 1, 2022
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6.62%
Index	1-Year LIBOR
Max Rate	9.62%

Tax Assessment & Valuation

The 2025 property tax bill for 3130 Thunder Rd was $8,636 with a homeowner's exemption.

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	$8,636.00 Homeowner's exemption	$606,394 Land $123,355 Building $483,039	$750,619
2023	$8,963.00 (-6.51%) Homeowner's exemption	$608,410 (-7.21%) Land $123,130 Building $485,280	$752,860 (+10.65%)
2022	$9,587.00 Homeowner's exemption	$655,672	$680,401 Land $283,580 Building $396,821

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

Flood

FEMA maps place 3130 Thunder Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 74 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	74 in force
Nearby Flood Claims	31 (1992–2017)
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 19 claims Tropical Storm Debby, Jun 2012 · 2 claims Hurricane Frances, Sep 2004 · 2 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

Wildfire risk around 3130 Thunder Rd is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 64% of the US · above 41% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Xfinity.

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