3230 Thunder Rd, Middleburg, FL 32068 Property Records

Clay County property record for 3230 Thunder Rd, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,859 sqft · built 2007
Lot Size	2.09 acres (91,302 sqft)
Owner	Individual Name on Record
Last Sale	$499,900 (May 2021)
Tax Bill	$7,486 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-06-25-010361-001-02`

Property Details

APN / Parcel Number

Primary APN	`06-06-25-010361-001-02`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,859 sqft Living Area
Gross Area	3,411 sqft
1st Floor Area	2,150 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	91,302 sqft (2.09 acres)
Garage Type	Attached
Garage Area	552 sqft
Porch	Finished/Open Porch
Porch Area	333 sqft
Patio Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3230 THUNDER RD
City	MIDDLEBURG
State	FL
Zip	32068-7303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF NW1/4 OF NW1/4 S6T6R25 AS REC OR 4454 PG 1139
Legal Range	25E
Legal Township	06S
Legal Section	06
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	Individual Name on Record
Mailing Address	3230 THUNDER RD, MIDDLEBURG, FL 32068-7303
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
May 10, 2021	Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK NA
Mar 9, 2020	Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2021 · Amount on Record
Deed Sale	May 10, 2021 · Amount on Record
Prior Sale	Mar 9, 2020 · Amount on Record
Deed Document Number	202128915
Deed Book / Page	4454 / 1139
Prior Transfer Date	Mar 4, 2020
Prior Transfer Doc	0042870375
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3230 THUNDER RD, MIDDLEBURG, FL 32068-7303
Transaction Type	Mortgage
Record Updated	Nov 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3230 THUNDER RD, MIDDLEBURG, FL 32068-7303

Mortgage

Document Number	0049791588
Date	Oct 20, 2025
Book Page	4979/1588
Instrument	2025049395

Lender

Name	LENDAGE LLC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	May 10, 2021
Property Address	3230 THUNDER RD, MIDDLEBURG, FL 32068-7303
Document Number	0044541139
Book / Page	4454 / 1139
Instrument Date	May 4, 2021
Instrument	2021028915
Transaction Type	Transfer
Record Updated	May 20, 2021
Title Company	LANDMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,499.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 LEWIS DR, 120, GREEN COVE SPRINGS, FL 32043-3065

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3230 THUNDER RD, MIDDLEBURG, FL 32068-7303

Mortgage

Document Number	44541141
Date	May 10, 2021
Instrument	4454/1141

Lender

Name	SOUTH STATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY FL
Recording Date	Mar 9, 2020
Property Address	3230 THUNDER RD, MIDDLEBURG, FL 32068-7303
Document Number	0042870375
Book / Page	004287 / 000375
Instrument Date	Mar 4, 2020
Instrument	12914
Transaction Type	Transfer
Record Updated	Mar 19, 2020
Title Company	GUARDIAN TITLE AND TRUST INC, GUARDIAN TITLE & TR INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,176.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3230 THUNDER RD MIDDLEBURG FL 320687303, MIDDLEBURG, FL 32068-7303

Mortgage

Document Number	42870377
Date	Mar 9, 2020
Book Page	004287/000377
Instrument	12915

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2050

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	$7,486.00 (+4.67%) Homeowner's exemption	$530,989 (+5.99%)	$602,981 (+1.19%) Land $52,400 Building $550,581
2024	$7,152.00 (-2.45%)
2023	$7,332.00 (+4.58%) Homeowner's exemption	$500,996 (+3%)	$595,863 (+22.5%) Land $52,400 Building $543,463
2022	$7,011.00 Homeowner's exemption	$486,404 Land $37,728 Building $448,676	$486,404 Land $37,728 Building $448,676

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

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 59% of the US · lower than 67% 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T DSL	100 / 20
Verizon Fixed Wireless	25 / 6

May also be available: T-Mobile, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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