Clay County property record for 3171 Peppertree Dr, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,835 sqft · built 2003 |
| Lot Size | 0.302 acres (13,181 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,986 (2025) |
| Deeds & Mortgages | Sep 2023 Sale Oct 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 45-05-25-008989-012-40 |
| Primary APN | 45-05-25-008989-012-40 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,835 sqft Heated Area |
| Gross Area | 2,445 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,181 sqft (0.302 acres) |
| Garage Area | 420 sqft |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 312 sqft |
| Porch | Porch |
| Porch Area | 190 sqft |
| Deck Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3171 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 192 VILLAGES OF FIRESIDE UN 2C AS REC O R 4526 PG 1372 &4753 PG 1073 |
| Legal Range | 25 |
| Legal Township | 05 |
| Legal Section | 45 |
| Legal Subdivision | VILLAGES OF FIRESIDE |
| Legal Lot Number | 192 |
| 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 18, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3171 PEPPERTREE DR, MIDDLEBURG, FL 32068-8201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 1, 2023 | Special Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Oct 25, 2021 | Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP |
| Jan 16, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC |
| Jan 2, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2023 |
| Deed Sale | Sep 1, 2023 |
| Prior Sale | Oct 25, 2021 · Amount on Record |
| Deed Document Number | 2023044422 |
| Deed Book / Page | 4753 / 1073 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Sep 1, 2023 |
| Property Address | 3171 PEPPERTREE DR, MIDDLEBURG, FL 32068-8201 |
| Document Number | 0047531073 |
| Book / Page | 4753 / 1073 |
| Map Reference | MB 32 PG 44-51 |
| Instrument Date | Aug 25, 2023 |
| Instrument | 2023044422 |
| Transaction Type | Transfer |
| Record Updated | Oct 3, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3171 PEPPERTREE DR, MIDDLEBURG, FL 32068-8201 |
| Name | Verified Name |
|---|---|
| Address | 3171 PEPPERTREE DR, MIDDLEBURG, FL 32068-8201 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Oct 25, 2021 |
| Property Address | 3171 PEPPERTREE DR, MIDDLEBURG, FL 32068-8201 |
| Document Number | 0045261372 |
| Book / Page | 4526 / 1372 |
| Map Reference | MB 32 PG 44-51 |
| Instrument Date | Oct 22, 2021 |
| Instrument | 2021067517 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2021 |
| Title Company | SHEFFIELD AND BOATRIGHT TITLE SV, SHEFFIELD & BOATRIGHT TTL SV |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,625.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 203 MORNING MIST LN, 203, ST JOHNS, FL 32259-8515 |
| Name | Verified Name |
|---|---|
| Address | 3171 PEPPERTREE DR, MIDDLEBURG, FL 32068-8201 |
| Document Number | 45261374 |
|---|---|
| Date | Oct 25, 2021 |
| Instrument | 4526/1374 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 3171 PEPPERTREE DR, MIDDLEBURG, FL 32068-8201 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0042700199 |
|---|---|
| Date | Jan 16, 2020 |
| Book Page | 4270/0199 |
| Instrument | 2020002737 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 3171 PEPPERTREE DR, MIDDLEBURG, FL 32068-8201 |
| Document Number | 0042670182 |
| Instrument Date | Jan 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3171 PEPPERTREE DR MIDDLEBURG FL 320688201, MIDDLEBURG, FL 32068-8201 |
| Document Number | 0042670182 |
|---|---|
| Date | Jan 7, 2020 |
| Book Page | 004267/000182 |
| Instrument | 878 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 6, 2035 |
Source: Clay County assessment roll, as of July 1, 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 | $3,986.00 (-1.43%) Homeowner's exemption | $301,495 (+5.99%) | $334,032 (+2.87%) Land $60,000 Building $274,032 |
| 2023 | $4,044.00 (+6.09%) Homeowner's exemption | $284,466 (+3%) | $324,720 (+16.12%) Land $60,000 Building $264,720 |
| 2022 | $3,812.00 Homeowner's exemption | $276,181 | $279,644 Land $50,000 Building $229,644 |
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 500 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 | Moderate above 43% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 165 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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