3154 Ravines Rd, Middleburg, FL 32068 Property Records

Clay County property record for 3154 Ravines Rd, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,949 sqft · built 2005
Lot Size	0.106 acres (4,621 sqft)
Owner	Individual Name on File
Last Sale	$263,000 (Feb 2023)
Tax Bill	$1,671 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-05-24-021388-183-04`

Property Details

APN / Parcel Number

Primary APN	`13-05-24-021388-183-04`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,949 sqft Heated Area
Gross Area	1,982 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,621 sqft (0.106 acres)
Garage Area	508 sqft
Porch	Porch
Porch Area	33 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3154 RAVINES RD
City	MIDDLEBURG
State	FL
Zip	32068-5758
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 4 RAVINES REPLAT # 8-A ASREC O R 4686 PG 1471 & 4929 PG1150
Legal Range	24
Legal Township	05
Legal Section	13
Legal Subdivision	RAVINES
Legal Lot Number	4
Jurisdiction	CLAY FL
Township / Civil Division	PENNEY FARMS
Census Block Group	1
Census Block	1000
Census Tract	31203

Owner

3154 Ravines Rd is owned and occupied by an individual who acquired it in May 2025.

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

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
Mailing Address	3154 RAVINES RD, MIDDLEBURG, FL 32068-5758
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2023 · Amount on File
Deed Sale	Feb 2, 2023 · Amount on File
Prior Sale	Feb 2, 2023 · Amount on File
Deed Document Number	0046861471
Deed Book / Page	4686 / 1471
Last Transfer Date	May 13, 2025
Transfer Doc	0049291150
Record Updated	Jun 8, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Feb 2, 2023
Property Address	3154 RAVINES RD, MIDDLEBURG, FL 32068-5758
Document Number	0046861471
Book / Page	4686 / 1471
Map Reference	MB 45 PG 66-68
Instrument Date	Jan 26, 2023
Instrument	2023004935
Transaction Type	Transfer
Record Updated	Mar 30, 2023
Title Company	GUARDIAN TITLE AND TRUST INC, GUARDIAN TITLE & TRUST INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,841.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2983 SANDALFORD BLVD, BOCA RATON, FL 33428

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3154 RAVINES RD, MIDDLEBURG, FL 32068-5758

Mortgage

Document Number	0046861474
Date	Feb 2, 2023
Instrument	4686/1474

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Feb 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.2%
Index	Other
Max Rate	11.2%

Tax Assessment & Valuation

The 2025 property tax bill for 3154 Ravines Rd was $1,671 with exemptions applied.

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	$1,671.00 Homeowner's exemption Widower's exemption	$154,709	$248,789 Land $28,000 Building $220,789
2023	$3,539.00 (+14.83%)	$229,686 (+14.91%) Land $28,000 Building $201,686	$229,686 (+14.91%) Land $28,000 Building $201,686
2022	$3,082.00	$199,892 Land $28,000 Building $171,892	$199,892 Land $28,000 Building $171,892

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

Flood

FEMA maps place 3154 Ravines Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 3154 Ravines Rd is moderate, ranking above 48% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach

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 294 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

May also be available: T-Mobile.

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