Clay County property record for 3198 Wilderness Dr, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,604 sqft · built 1979 |
| Lot Size | 2.93 acres (127,717 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $357,000 (Sep 2020) |
| Tax Bill | $2,970 (2025) |
| Deeds & Mortgages | Sep 2020 Sale & Mortgage Jul 2017 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 37-05-25-010149-057-00 |
| Primary APN | 37-05-25-010149-057-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,604 sqft Living Area |
| 1st Floor Area | 1,604 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 127,717 sqft (2.93 acres) |
| Lot Dimensions | 200 ft deep x 120 ft wide |
| Garage Area | 576 sqft |
| Pool Area | 405 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 700 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3198 WILDERNESS DR |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-4130 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | LOT 67 MCRAE LANDING AS REC OR 4353 PG 1435 |
| Legal Range | 25E |
| Legal Township | 05S |
| Legal Section | 37 |
| Legal Subdivision | MCRAE LANDING |
| Legal Lot Number | 67 |
| 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 | 3198 WILDERNESS DR, MIDDLEBURG, FL 32068-4130 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2020 | Warranty Deed, Transfer · Conventional Mortgage FEMBI MORTGAGE |
| Jul 10, 2017 | Deed of Trust, Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 15, 2020 · Amount on Record |
| Deed Sale | Sep 15, 2020 · Amount on Record |
| Prior Sale | Jan 15, 2003 · Amount on Record |
| Deed Document Number | 202047560 |
| Deed Book / Page | 4353 / 1435 |
| Prior Transfer Date | Jun 25, 2004 |
| Prior Transfer Doc | 0024000257 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Sep 15, 2020 |
| Property Address | 3198 WILDERNESS DR, MIDDLEBURG, FL 32068-4130 |
| Document Number | 0043531435 |
| Book / Page | 4353 / 1435 |
| Map Reference | MB 15 PG 51-58 |
| Instrument Date | Sep 10, 2020 |
| Instrument | 2020047560 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2022 |
| Title Company | GIBRALTAR TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,499.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3225 NE 102ND AVENUE RD, 3225, SILVER SPRINGS, FL 34488-8356 |
| Name | Verified Name |
|---|---|
| Address | 3198 WILDERNESS DR, MIDDLEBURG, FL 32068-4130 |
| Document Number | 0043531437 |
|---|---|
| Date | Sep 15, 2020 |
| Instrument | 4353/1437 |
| Name | FEMBI MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 3198 WILDERNESS DR, MIDDLEBURG, FL 32068-4130 |
| Document Number | 0039930951 |
| Book / Page | 003993 / 000951 |
| Instrument Date | Jul 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3198 WILDERNESS DR MIDDLEBURG FL 320684130, MIDDLEBURG, FL 32068-4130 |
| Document Number | 0039930951 |
|---|---|
| Date | Jul 18, 2017 |
| Book Page | 003993/000951 |
| Instrument | 36177 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 17, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
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 | $2,970.00 (+4.87%) Homeowner's exemption | $234,889 (+5.99%) | $382,879 (-1.44%) Land $50,000 Building $332,879 |
| 2024 | $2,832.00 (-8.35%) | ||
| 2023 | $3,090.00 (+7.14%) Homeowner's exemption | $221,622 (+3%) | $388,464 (+14.73%) Land $50,000 Building $338,464 |
| 2022 | $2,884.00 Homeowner's exemption | $215,167 | $338,602 Land $35,000 Building $303,602 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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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