3183 Wavering Ln, Middleburg, FL 32068 Property Records

Clay County property record for 3183 Wavering Ln, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,492 sqft · built 1999
Lot Size	0.197 acres (8,560 sqft)
Owner	2 Individual Names on File
Last Sale	$329,900 (May 2023)
Tax Bill	$3,624 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Jul 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`34-04-25-008154-005-40`

Property Details

APN / Parcel Number

Primary APN	`34-04-25-008154-005-40`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,492 sqft Living Area
Gross Area	1,912 sqft
1st Floor Area	1,492 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,560 sqft (0.197 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	452 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3183 WAVERING LN
City	MIDDLEBURG
State	FL
Zip	32068-4284
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 40 GLEN LAUREL UNIT 1 AS REC OR 4718 PG 1808
Legal Range	25E
Legal Township	04S
Legal Section	34
Legal Subdivision	GLEN LAUREL UNIT 1
Legal Lot Number	40
Legal Unit	1
Jurisdiction	CLAY FL
Township / Civil Division	ORANGE PARK
Census Block Group	2
Census Block	2000
Census Tract	30905

Owner

3183 Wavering Ln is owned and occupied by two individuals who bought it in May 2023.

Source: Clay County records, as of August 31, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3183 WAVERING LN, MIDDLEBURG, FL 32068-4284
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 11, 2023	Warranty Deed, Transfer · VA Mortgage BANK OF ENGLAND
Jul 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 21, 2020	Grant Deed, Construction Loan WEST FOURTH INV GRP LLC
Sep 21, 2020	Grant Deed, Foreclosure ATTORNEY ONLY
Oct 9, 2019	Trustee's Deed, Foreclosure NOT AVAILABLE
Jan 27, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2023 · Amount on File
Deed Sale	May 11, 2023 · Amount on File
Prior Sale	Sep 21, 2020 · Amount on File
Deed Document Number	202322923
Deed Book / Page	4718 / 1808
Prior Transfer Date	Dec 28, 2016
Prior Transfer Doc	0039381956
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	May 11, 2023
Property Address	3183 WAVERING LN, MIDDLEBURG, FL 32068-4284
Document Number	0047181808
Book / Page	4718 / 1808
Map Reference	MB 31 PG 52-55
Instrument Date	May 1, 2023
Instrument	2023022923
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	TITLE AMERICA RE CLOSINGS INC, TITLE AMERICA RE CLOSINGS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,309.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4464 GRAY HAWK ST, ORANGE PARK, FL 32065-2672

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3183 WAVERING LN, MIDDLEBURG, FL 32068-4284

Mortgage

Document Number	0047181810
Date	May 11, 2023
Instrument	4718/1810

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3183 WAVERING LN, MIDDLEBURG, FL 32068-4284
Transaction Type	Mortgage
Record Updated	Jul 29, 2021
Title Company	TITLE AMERICA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044831545
Date	Jul 19, 2021
Book Page	4483/1545
Instrument	2021044403

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2041

September 2020: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	CLAY FL
Recording Date	Sep 21, 2020
Property Address	3183 WAVERING LN, MIDDLEBURG, FL 32068-4284
Document Number	0043560156
Book / Page	004356 / 000156
Instrument Date	Jul 10, 2020
Instrument	48870
Transaction Type	Construction Loan
Record Updated	Oct 1, 2020
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4464 GRAY HAWK ST ORANGE PARK FL 320652672, ORANGE PARK, FL 32065-2672

Mortgage

Document Number	43560159
Date	Sep 21, 2020
Book Page	004356/000159
Instrument	48871

Lender

Name	WEST FOURTH INV GRP LLC
Address	6216 N FEDERAL HWY, FORT LAUDERDALE, FL 33308-1904

Agreement

Amount	Amount on Record

September 2020: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	CLAY FL
Recording Date	Sep 21, 2020
Property Address	3183 WAVERING LN, MIDDLEBURG, FL 32068-4284
Document Number	0043560151
Book / Page	004356 / 000151
Instrument Date	Nov 4, 2019
Instrument	48868
Transaction Type	Foreclosure
Record Updated	Sep 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5000 PLANO PKWY CARROLLTON TX 750104900, CARROLLTON, TX 75010-4900

October 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CLAY FL
Recording Date	Oct 9, 2019
Property Address	3183 WAVERING LN, MIDDLEBURG, FL 32068-4284
Document Number	0042391691
Book / Page	004239 / 001691
Instrument Date	Oct 7, 2019
Instrument	54029
Transaction Type	Foreclosure
Record Updated	Nov 19, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$210.70
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3183 WAVERING LN MIDDLEBURG FL 320684284, MIDDLEBURG, FL 32068-4284

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY FL
Recording Date	Jan 27, 2017
Property Address	3183 WAVERING LN, MIDDLEBURG, FL 32068-4284
Document Number	0039381956
Book / Page	003938 / 001956
Instrument Date	Dec 28, 2016
Instrument	4621
Transaction Type	Transfer
Record Updated	May 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3183 WAVERING LN MIDDLEBURG FL 320684284, MIDDLEBURG, FL 32068-4284

Tax Assessment & Valuation

The 2025 property tax bill for 3183 Wavering Ln was $3,624 with a homeowner's exemption, up 19.7% from the year before.

Source: Clay County assessment roll, as of December 3, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Clay County
Unified School District	Clay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,624.00 (+19.72%) Homeowner's exemption	$277,753 Land $40,000 Building $237,753	$277,753 Land $40,000 Building $237,753
2024	$3,027.00 (-23.6%)
2023	$3,962.00 (+13.98%)	$265,129 (+13.59%) Land $40,000 Building $225,129	$265,129 (+13.59%) Land $40,000 Building $225,129
2022	$3,476.00	$233,418 Land $35,000 Building $198,418	$233,418 Land $35,000 Building $198,418

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

Flood

FEMA maps place 3183 Wavering Ln in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2021.

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 File 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.

Wildfire

Wildfire risk around 3183 Wavering Ln is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 139 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250

May also be available: T-Mobile.

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