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3159 Peppertree Dr, Middleburg, FL 32068 Property Records

Clay County property record for 3159 Peppertree Dr, Middleburg, FL 32068 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details5 bd · 4 ba · 3,114 sqft · built 2000
Lot Size0.398 acres (17,345 sqft)
OwnerIndividual Name on File
Last Sale$275,000 (Apr 2017)
Tax Bill$3,675 (2025)
Deeds & MortgagesApr 2021 Mortgage
Apr 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN45-05-25-008989-012-43

Property Details

APN / Parcel Number

Primary APN45-05-25-008989-012-43

Interior

Bedrooms5 Beds
Full Baths4 Baths
Stories2 Stories
Building Area3,114 sqft Heated Area
Gross Area3,904 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2000
Exterior MaterialStucco
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area17,345 sqft (0.398 acres)
Garage Area440 sqft

Exterior Amenities

PorchPorch
Porch Area158 sqft
Patio Area192 sqft
Storage Building200 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address3159 PEPPERTREE DR
CityMIDDLEBURG
StateFL
Zip32068-8201
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 195 VILLAGES OF FIRESIDE UN 2C AS REC O R 3966 PG 1874
Legal Range25
Legal Township05
Legal Section45
Legal SubdivisionVILLAGES OF FIRESIDE
Legal Lot Number195
JurisdictionCLAY FL
Township / Civil DivisionMIDDLEBURG-CLAY HILL
Census Block Group1
Census Block1000
Census Tract30210

Owner

Source: Clay County records · APN 45-05-25-008989-012-43

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3159 PEPPERTREE DR, MIDDLEBURG, FL 32068-8201
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 20, 2021Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP
Apr 27, 2017Warranty Deed, Transfer · VA Mortgage
HOMEOWNERS FINANCIAL GROUP USA LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 28, 2017 · Amount on Record
Deed SaleApr 28, 2017 · Amount on Record
Prior SaleAug 08, 2000 · Amount on Record
Deed Document Number0039661874
Deed Book / Page3966 / 1874
Prior Transfer DateApr 27, 2017
Prior Transfer Doc0039661874
Record UpdatedJun 08, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY FL
Property Address3159 PEPPERTREE DR, MIDDLEBURG, FL 32068-8201
Transaction TypeMortgage
Record UpdatedApr 28, 2021
Title CompanySTEWART TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3159 PEPPERTREE DR, MIDDLEBURG, FL 32068-8201

Mortgage

Document Number0044451582
DateApr 20, 2021
Book Page4445/1582
Instrument2021024250
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2051

April 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY FL
Recording DateApr 27, 2017
Property Address3159 PEPPERTREE DR, MIDDLEBURG, FL 32068-8201
Document Number0039661874
Book / Page3966 / 1874
Map ReferenceMB32 PG44-51
Instrument DateApr 20, 2017
Instrument201721108
Transaction TypeTransfer
Record UpdatedFeb 21, 2022
Title CompanyTITLE AMERICA

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address3159 PEPPERTREE DR, MIDDLEBURG, FL 32068-8201

Mortgage

Document Number0201721109
DateApr 27, 2017
Instrument201721109
Lender
NameHOMEOWNERS FINANCIAL GROUP USA LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2047

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyClay County
Unified School DistrictClay County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,675.00 (-1.82%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$291,103 (+5.99%)$442,645 (+2.26%) Land $60,000 Building $382,645
2023$3,743.00 (+4.44%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$274,660 (+3%)$432,880 (+14.56%) Land $60,000 Building $372,880
2022$3,584.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$266,661$377,850 Land $50,000 Building $327,850

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (12019C), updated July 6, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120190302101, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 32 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies32 in force
Nearby Flood Claims2 (2017)
Most Recent ClaimSep 2017, rainfall accumulation, Hurricane Irma
Claims By Storm
  • Hurricane Irma, Sep 2017 · 2 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 78 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable1,200 / 35
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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