3168 Peppertree Dr, Middleburg, FL 32068 Property Records

Clay County property record for 3168 Peppertree Dr, Middleburg, FL 32068 · Last verified January 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2002
Square Footage	2,971 sqft Heated Area
Lot Size	11,206 sqft (0.257 acres)
Garage	462 sqft
Occupancy	Owner Occupied
Tax Bill	$3,487.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`45-05-25-008989-013-36`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,971 sqft Heated Area
Gross Area	3,875 sqft Gross Area
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2002
Exterior Material	Brick Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	11,206 sqft (0.257 acres)
Garage Area	462 sqft Garage

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa Pool Type
Pool Area	392 sqft Pool
Porch	1 Porch
Porch Area	442 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air Heating

Location & Zoning

Street Address	3168 PEPPERTREE DR
City	MIDDLEBURG
State	FL
Zip	32068-8200
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 288 VILLAGES OF FIRESIDE U2-C AS REC O R 2340 PG 1620 &2379 PGS 1615 & 1616
Legal Range	25
Legal Township	05
Legal Section	45
Legal Subdivision	VILLAGES OF FIRESIDE
Legal Lot Number	288
Jurisdiction	CLAY FL
Minor Civil Division	MIDDLEBURG-CLAY HILL
Census Blockgroup	1
Census Block	1009
Census Tract	30210

Owner

Source: Clay County records · APN 45-05-25-008989-013-36

Assessment roll updated July 1, 2025 · Last verified January 2026

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

Owner of Record	Individual Name on File
Mailing Address	3168 PEPPERTREE DR, MIDDLEBURG, FL 32068-8200
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 28, 2004
Deed Sale	May 28, 2004
Prior Sale	Mar 09, 2004 · Amount on Record
Deed Doc Number	200445077
Deed Book / Page	2340 / 1620
Record Refreshed	Jun 08, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3168 PEPPERTREE DR, MIDDLEBURG, FL 32068-8200
Transaction Type	Mortgage
Record Updated	Jan 31, 2024
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3168 PEPPERTREE DR, MIDDLEBURG, FL 32068-8200

Mortgage

Document Number	0047850936
Date	Jan 08, 2024
Book Page	4785/936
Instrument	2024000846

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Feb 01, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Florida
County	Clay County
Unified School District	Clay 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,487.00 (-2.46%) Homeowner's exemption	$268,789 (+5.99%)	$486,934 (+3.12%) Land $60,000 Building $426,934
2023	$3,575.00 (+6.53%) Homeowner's exemption	$253,606 (+3%)	$472,220 (+15.66%) Land $60,000 Building $412,220
2022	$3,356.00 Homeowner's exemption	$246,220	$408,279 Land $50,000 Building $358,279

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (12019C), updated July 6, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Moderate above 44% of the US · above 14% of Florida
Wildfire Likelihood	About 1 in 1,316 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.