Clay County property record for 3181 Peppertree Dr, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,153 sqft · built 2001 |
| Lot Size | 0.266 acres (11,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $162,900 (May 2001) |
| Tax Bill | $2,179 (2025) |
| Deeds & Mortgages | Sep 2026 Sale Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 45-05-25-008989-012-38 |
| Primary APN | 45-05-25-008989-012-38 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,153 sqft Living Area |
| Gross Area | 2,903 sqft |
| 1st Floor Area | 2,153 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 11,583 sqft (0.266 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Porch | Patio |
| Porch Area | 294 sqft |
| Patio Area | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3181 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 190 VILLAGES OF FIRESIDE U2-C AS REC OR 1938 PG 1121 & 2922 PG 1121 |
| Legal Range | 25E |
| Legal Township | 05S |
| Legal Section | 45 |
| Legal Subdivision | VILLAGES OF FIRESIDE U2-C |
| Legal Lot Number | 190 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 30210 |
3181 Peppertree Dr is owned and occupied by two individuals who acquired it in September 2026.
Source: Clay County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3181 PEPPERTREE DR, MIDDLEBURG, FL 32068-8201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 2, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Jan 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2001 · Amount on File |
| Deed Sale | May 9, 2001 · Amount on File |
| Deed Document Number | 200120856 |
| Deed Book / Page | 1938 / 1121 |
| Last Transfer Date | Sep 1, 2026 |
| Transfer Doc | 0000044126 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Sep 2, 2026 |
| Property Address | 3181 PEPPERTREE DR, MIDDLEBURG, FL 32068-8201 |
| Document Number | 0000044126 |
| Book / Page | 5082 / 1416 |
| Instrument Date | Sep 1, 2026 |
| Instrument | 202644126 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 3181 PEPPERTREE DR, MIDDLEBURG, FL 32068-8201 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 3181 PEPPERTREE DR, MIDDLEBURG, FL 32068-8201 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0044000637 |
|---|---|
| Date | Jan 8, 2021 |
| Book Page | 4400/637 |
| Instrument | 2021001421 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Dec 1, 2035 |
The 2025 property tax bill for 3181 Peppertree Dr was $2,179.
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 | $2,179.00 | $188,071 | $356,189 Land $60,000 Building $296,189 |
| 2023 | $2,343.00 (+5.4%) Homeowner's exemption Widower's exemption | $177,448 (+3%) | $344,497 (+14.98%) Land $60,000 Building $284,497 |
| 2022 | $2,223.00 Homeowner's exemption Widower's exemption | $172,280 | $299,623 Land $50,000 Building $249,623 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3181 Peppertree Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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.
Wildfire risk around 3181 Peppertree Dr is moderate, ranking above 43% of the US, with a 0.08% annual chance of wildfire.
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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