Clay County property record for 3187 Wilderness Dr, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,712 sqft · built 1983 |
| Lot Size | 0.792 acres (34,499 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $115,250 (Jan 2020) |
| Tax Bill | $1,320 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 37-05-25-010149-004-00 |
| Primary APN | 37-05-25-010149-004-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,712 sqft Living Area |
| Gross Area | 2,195 sqft |
| 1st Floor Area | 1,712 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 34,499 sqft (0.792 acres) |
| Lot Dimensions | 345 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 18 sqft |
| Patio Area | 284 sqft |
| Storage Building | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3187 WILDERNESS DR |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-4131 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | LOT 3 MCRAE LANDING AS REC OR 1928 PG 1625,2428 PG 102, 2749 PG 1465 FJ,2748 PG 331,3979 |
| Legal Range | 25E |
| Legal Township | 05S |
| Legal Section | 37 |
| Legal Subdivision | MCRAE LANDING |
| Legal Lot Number | 3 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 30210 |
Source: Clay County records, as of December 3, 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 | 3187 WILDERNESS DR, MIDDLEBURG, FL 32068-4131 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ALLY BANK |
| Jan 8, 2020 | Warranty Deed, Transfer NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 8, 2020 · Amount on Record |
| Deed Sale | Jan 8, 2020 · Amount on Record |
| Prior Sale | Sep 10, 2004 · Amount on Record |
| Deed Document Number | 20201118 |
| Deed Book / Page | 4267 / 907 |
| Last Transfer Date | Oct 9, 2025 |
| Transfer Doc | 0000048245 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 3187 WILDERNESS DR, MIDDLEBURG, FL 32068-4131 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3187 WILDERNESS DR, MIDDLEBURG, FL 32068-4131 |
| Document Number | 0045440597 |
|---|---|
| Date | Dec 6, 2021 |
| Book Page | 4544/597 |
| Instrument | 2021077264 |
| Name | ALLY BANK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jan 8, 2020 |
| Property Address | 3187 WILDERNESS DR, MIDDLEBURG, FL 32068-4131 |
| Document Number | 0042670907 |
| Book / Page | 004267 / 000907 |
| Instrument Date | Dec 27, 2019 |
| Instrument | 1118 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2020 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $806.75 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3187 WILDERNESS DR MIDDLEBURG FL 320684131, MIDDLEBURG, FL 32068-4131 |
| Document Number | 42670912 |
|---|---|
| Date | Jan 8, 2020 |
| Book Page | 004267/000912 |
| Instrument | 1119 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 7, 2050 |
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 | $1,320.00 (+5.35%) | $126,711 (+5.99%) | $248,579 (-1.86%) Land $50,000 Building $198,579 |
| 2024 | $1,253.00 (-18.64%) | ||
| 2023 | $1,540.00 (+11.92%) Homeowner's exemption | $119,554 (+3%) | $253,291 (+14.96%) Land $50,000 Building $203,291 |
| 2022 | $1,376.00 Homeowner's exemption | $116,072 | $220,334 Land $35,000 Building $185,334 |
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 55 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 55 in force |
| Nearby Flood Claims | 9 (2012–2017) |
| 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 53% of the US · lower than 75% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 81 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
| AT&T DSL | 100 / 20 |
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