Clay County property record for 3147 Peppertree Dr, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,845 sqft · built 1999 |
| Lot Size | 0.294 acres (12,792 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $6,335 (2025) |
| Deeds & Mortgages | Nov 2022 Sale & Mortgage Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 45-05-25-008989-012-59 |
| Primary APN | 45-05-25-008989-012-59 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,845 sqft Living Area |
| Gross Area | 3,779 sqft |
| 1st Floor Area | 2,845 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 12,792 sqft (0.294 acres) |
| Garage Type | Attached |
| Garage Area | 682 sqft |
| Pool Area | 920 sqft |
|---|---|
| Porch | Finished Screened Porch |
| Porch Area | 321 sqft |
| Pole Barn | Pole Barn |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3147 PEPPERTREE DR |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-8201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 211 VILLAGES OF FIRESIDE U2-C AS REC OR 4828 PG 1760 |
| Legal Range | 25E |
| Legal Township | 05S |
| Legal Section | 45 |
| Legal Subdivision | VILLAGES OF FIRESIDE U2-C |
| Legal Lot Number | 211 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 30210 |
Source: Clay County records, as of December 3, 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 | 3147 PEPPERTREE DR, MIDDLEBURG, FL 32068-8201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Nov 3, 2022 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Feb 4, 2021 | Intrafamily Transfer, Transfer · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 4, 2021 |
| Deed Sale | Feb 4, 2021 |
| Prior Sale | Dec 30, 2004 · Amount on Record |
| Deed Document Number | 20217357 |
| Deed Book / Page | 4412 / 533 |
| Prior Transfer Date | Dec 23, 2020 |
| Prior Transfer Doc | 0044120533 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Nov 3, 2022 |
| Property Address | 3147 PEPPERTREE DR, MIDDLEBURG, FL 32068-8201 |
| Document Number | 0046641242 |
| Book / Page | 4664 / 1242 |
| Map Reference | MB 32 PG 44-51 |
| Instrument Date | Nov 2, 2022 |
| Instrument | 2022065589 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2022 |
| Title Company | CLOSING USA LLC, CLOSING BEAR LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,765.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 132 CHERRY TRL, 132, PALATKA, FL 32177-8466 |
| Name | Verified Name |
|---|---|
| Address | 3147 PEPPERTREE DR, MIDDLEBURG, FL 32068-8201 |
| Document Number | 0046641244 |
|---|---|
| Date | Nov 3, 2022 |
| Instrument | 4664/1244 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Feb 4, 2021 |
| Property Address | 3147 PEPPERTREE DR, MIDDLEBURG, FL 32068-8201 |
| Document Number | 0044120533 |
| Book / Page | 4412 / 533 |
| Map Reference | MB 32 PG 44-51 |
| Instrument Date | Dec 23, 2020 |
| Instrument | 2021007357 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SERVICES |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3147 PEPPERTREE DR, MIDDLEBURG, FL 32068-8201 |
| Document Number | 0004412537 |
|---|---|
| Date | Feb 4, 2021 |
| Instrument | 4412/537 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
Source: Clay County assessment roll, as of December 3, 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 | $6,335.00 (+2.74%) | $455,548 (+1.95%) Land $60,000 Building $395,548 | $455,548 (+1.95%) Land $60,000 Building $395,548 |
| 2024 | $6,166.00 (-5.27%) | ||
| 2023 | $6,509.00 (+120.72%) Homeowner's exemption | $446,842 (+94.75%) Land $60,000 Building $386,842 | $446,842 (+15.53%) Land $60,000 Building $386,842 |
| 2022 | $2,949.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $229,441 | $386,779 Land $50,000 Building $336,779 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | None beyond ember reach |
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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