3155 Pine Haven Dr, Middleburg, FL 32068 Property Records

Clay County property record for 3155 Pine Haven Dr, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,862 sqft · built 2009
Lot Size	0.204 acres (8,897 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,469 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Mar 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-05-24-006564-014-82`

Property Details

APN / Parcel Number

Primary APN	`24-05-24-006564-014-82`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,862 sqft Living Area
Gross Area	2,243 sqft
1st Floor Area	1,862 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,897 sqft (0.204 acres)
Garage Type	Attached
Garage Area	381 sqft
Porch	Finished/Open Porch
Porch Area	12 sqft
Patio Area	221 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3155 PINE HAVEN DR
City	MIDDLEBURG
State	FL
Zip	32068-1723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 82 RETREAT U-2 AS REC OR 4746 PG 1545
Legal Range	24E
Legal Township	05S
Legal Section	24
Legal Subdivision	RETREAT U-2
Legal Lot Number	82
Legal Unit	2
Jurisdiction	CLAY FL
Township / Civil Division	PENNEY FARMS
Census Block Group	1
Census Block	1015
Census Tract	31203

Owner

3155 Pine Haven Dr is owned and occupied by two individuals who acquired it in August 2023.

Source: Clay County records, as of August 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3155 PINE HAVEN DR, MIDDLEBURG, FL 32068-1723
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2023	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Mar 31, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
May 25, 2021	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2023
Deed Sale	Aug 10, 2023
Prior Sale	Jan 4, 2010 · Amount on File
Deed Document Number	202340214
Deed Book / Page	4746 / 1545
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Aug 10, 2023
Property Address	3155 PINE HAVEN DR, MIDDLEBURG, FL 32068-1723
Document Number	0047461545
Book / Page	4746 / 1545
Map Reference	MB 49 PG 17-23
Instrument Date	Aug 1, 2023
Instrument	2023040214
Transaction Type	Transfer
Record Updated	Aug 25, 2023
Title Company	SOUTHERN CAPITAL TTL CO LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2375 HALPERNS WAY, MIDDLEBURG, FL 32068-5617

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3155 PINE HAVEN DR, MIDDLEBURG, FL 32068-1723

Mortgage

Document Number	0047461547
Date	Aug 10, 2023
Instrument	4746/1547

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Mortgage

Document Number	0047461563
Date	Aug 10, 2023
Book Page	4746/1563
Instrument	2023040216

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	ORANGE, CA 92868

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2038

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3155 PINE HAVEN DR, MIDDLEBURG, FL 32068-1723
Transaction Type	Mortgage
Record Updated	Apr 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3155 PINE HAVEN DR, MIDDLEBURG, FL 32068-1723

Mortgage

Document Number	0047061497
Date	Mar 31, 2023
Book Page	4706/1497
Instrument	2023015383

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Apr 2, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3155 PINE HAVEN DR, MIDDLEBURG, FL 32068-1723
Transaction Type	Mortgage
Record Updated	Jun 4, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3155 PINE RAVEN DR, MIDDLEBURG, FL 32068-1723

Mortgage

Document Number	0044601971
Date	May 25, 2021
Book Page	4460/1971
Instrument	2021032407

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3155 Pine Haven Dr was $3,469.

Source: Clay County assessment roll, as of December 3, 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	$3,469.00	$267,650 Land $40,000 Building $227,650	$267,650 Land $40,000 Building $227,650
2023	$1,768.00 (+10.64%) Homeowner's exemption	$134,596 (+3%)	$268,592 (+12.59%) Land $40,000 Building $228,592
2022	$1,598.00 Homeowner's exemption	$130,676	$238,561 Land $40,000 Building $198,561

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3155 Pine Haven Dr 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 3155 Pine Haven Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% 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 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000

May also be available: Verizon.

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