3208 Thunder Rd, Middleburg, FL 32068 Property Records

Clay County property record for 3208 Thunder Rd, Middleburg, FL 32068

Property Summary

Property Type	General Agricultural/Rural
Details	3 bd · 2 ba · 1,920 sqft · built 2004
Lot Size	9.53 acres (415,127 sqft)
Owner	2 Individual Names on Record
Last Sale	$850,000 (Jul 2025)
Tax Bill	$2,362 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Jul 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-05-25-010139-001-00`

Property Details

APN / Parcel Number

Primary APN	`31-05-25-010139-001-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,920 sqft Gross Area
1st Floor Area	1,920 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Wood Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	415,127 sqft (9.53 acres)
Garage Area	1,152 sqft
Porch	Finished/Open Porch
Porch Area	992 sqft
Canopy	960 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3208 THUNDER RD
City	MIDDLEBURG
State	FL
Zip	32068-7303
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Legal Description	SE1/4 OF NE1/4 OF SW1/4 S31T5R25 AS REC OR 2139 PG 994; 3580 PG 140 & 4128 PG 37
Legal Range	25E
Legal Township	05S
Legal Section	31
Jurisdiction	CLAY FL
Township / Civil Division	PENNEY FARMS
Census Block Group	1
Census Block	1007
Census Tract	31201

Owner

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	2 Individual Names on Record
Mailing Address	4081 THUNDER LAKES TRCE, MIDDLEBURG, FL 32068-7385
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2023	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jul 16, 2025	Warranty Deed, Transfer · Conventional Mortgage SAGE HOME LOANS CORP
Oct 1, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2025 · Amount on Record
Deed Sale	Jul 16, 2025 · Amount on Record
Deed Document Number	202532705
Deed Book / Page	4949 / 1945
Prior Transfer Date	Oct 1, 2018
Prior Transfer Doc	0041280037
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4081 THUNDER LAKES TRCE, MIDDLEBURG, FL 32068-7385
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3208 THUNDER RD, MIDDLEBURG, FL 32068-7303
Investor	Possibly a Property Investor

Mortgage

Document Number	0047080215
Date	Apr 5, 2023
Book Page	4708/215
Instrument	2023016259

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jul 16, 2025
Property Address	4081 THUNDER LAKES TRCE, MIDDLEBURG, FL 32068-7385
Document Number	0049491945
Book / Page	4949 / 1945
Instrument Date	Jul 11, 2025
Instrument	2025032705
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,950.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	672 PLUM BRANCH RD, EDGEFIELD, SC 29824-3430

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3208 THUNDER RD, MIDDLEBURG, FL 32068-7303
Investor	Possibly a Property Investor

Mortgage

Document Number	0049491948
Date	Jul 16, 2025
Instrument	4949/1948

Lender

Name	SAGE HOME LOANS CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2045

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY FL
Recording Date	Oct 1, 2018
Property Address	3208 THUNDER RD, MIDDLEBURG, FL 32068-7303
Document Number	0041280037
Book / Page	004128 / 000037
Instrument Date	Oct 1, 2018
Instrument	51447
Transaction Type	Transfer
Record Updated	Nov 22, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3208 THUNDER RD MIDDLEBURG FL 320687303, MIDDLEBURG, FL 32068-7303

Tax Assessment & Valuation

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	$2,362.00 (+4.84%)	$195,061 (+5.86%)	$447,494 (-0.07%) Land $75,389 Building $372,105
2024	$2,253.00 (-10.67%)
2023	$2,522.00 (+8.33%) Homeowner's exemption	$184,256 (+3.13%) Land $12,780 Building $171,476	$447,797 (+30.06%)
2022	$2,328.00 Homeowner's exemption	$178,669 Land $7,759 Building $170,910	$344,313

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 74 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	74 in force
Nearby Flood Claims	31 (1992–2017)
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 19 claims Tropical Storm Debby, Jun 2012 · 2 claims Hurricane Frances, Sep 2004 · 2 claims

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

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

Wildfire Risk	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL	25 / 5
T-Mobile Fixed Wireless	25 / 3

May also be available: Xfinity.

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