Clay County property record for 3178 Wavering Ln, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,788 sqft · built 1999 |
| Lot Size | 0.188 acres (8,177 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $285,000 (Oct 2021) |
| Tax Bill | $3,794 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Oct 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 34-04-25-008154-005-26 |
| Primary APN | 34-04-25-008154-005-26 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,788 sqft Living Area |
| Gross Area | 2,188 sqft |
| 1st Floor Area | 1,788 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 8,177 sqft (0.188 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 42 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3178 WAVERING LN |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-4287 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 26 GLEN LAUREL UNIT 1 AS REC OR 4521 PG 1490 |
| Legal Range | 25E |
| Legal Township | 04S |
| Legal Section | 34 |
| Legal Subdivision | GLEN LAUREL UNIT 1 |
| Legal Lot Number | 26 |
| Legal Unit | 1 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 30905 |
Source: Clay County records, as of July 13, 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 Record |
|---|---|
| Mailing Address | 3178 WAVERING LN, MIDDLEBURG, FL 32068-4287 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 3, 2022 | Deed of Trust, Mortgage · SBA Mortgage ALMA EXCHANGE BANK & TRUST |
| Oct 13, 2021 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Feb 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 13, 2021 · Amount on Record |
| Deed Sale | Oct 13, 2021 · Amount on Record |
| Prior Sale | Dec 10, 2015 · Amount on Record |
| Deed Document Number | 202164788 |
| Deed Book / Page | 4521 / 1490 |
| Prior Transfer Date | Oct 3, 2008 |
| Prior Transfer Doc | 0030651661 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 3178 WAVERING LN, MIDDLEBURG, FL 32068-4287 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3178 WAVERING LN, MIDDLEBURG, FL 32068-4287 |
| Document Number | 0045672071 |
|---|---|
| Date | Feb 3, 2022 |
| Book Page | 4567/2071 |
| Instrument | 2022007979 |
| Name | ALMA EXCHANGE BANK & TRUST |
|---|---|
| Type | Bank |
| Address | ALMA, GA 31510 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Oct 13, 2021 |
| Property Address | 3178 WAVERING LN, MIDDLEBURG, FL 32068-4287 |
| Document Number | 0045211490 |
| Book / Page | 4521 / 1490 |
| Map Reference | MB 31 PG 52-55 |
| Instrument Date | Oct 12, 2021 |
| Instrument | 2021064788 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2021 |
| Title Company | ANCHOR TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,995.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3287 LIVE OAK HOLLOW DRIVE, 3287, ORANGE PARK, FL 32065 |
| Name | Verified Name |
|---|---|
| Address | 3178 WAVERING LN, MIDDLEBURG, FL 32068-4287 |
| Document Number | 45211492 |
|---|---|
| Date | Oct 13, 2021 |
| Instrument | 4521/1492 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 3178 WAVERING LN, MIDDLEBURG, FL 32068-4287 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3178 WAVERING LN, MIDDLEBURG, FL 32068-4287 |
| Document Number | 0044150298 |
|---|---|
| Date | Feb 11, 2021 |
| Book Page | 4415/298 |
| Instrument | 2021008647 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
Source: Clay County assessment roll, as of December 3, 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 | $3,794.00 (+3.55%) Homeowner's exemption | $288,909 (+4.9%) Land $40,000 Building $248,909 | $288,909 (+4.9%) Land $40,000 Building $248,909 |
| 2024 | $3,664.00 (-6.2%) | ||
| 2023 | $3,906.00 (+0.1%) Homeowner's exemption | $275,411 (+13.51%) Land $40,000 Building $235,411 | $275,411 (+13.51%) Land $40,000 Building $235,411 |
| 2022 | $3,902.00 | $242,622 Land $35,000 Building $207,622 | $242,622 Land $35,000 Building $207,622 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 24 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 6 (2021–2023) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Dec 2023 · river or lake flooding |
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 | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 416 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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