3245 Wilderness Cir, Middleburg, FL 32068 Property Records

Clay County property record for 3245 Wilderness Cir, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,592 sqft · built 1981
Lot Size	0.786 acres (34,238 sqft)
Owner	Individual Name on Record
Tax Bill	$2,893 (2025)
Deeds & Mortgages	May 2026 Mortgage May 2026 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`37-05-25-010149-008-00`

Property Details

APN / Parcel Number

Primary APN	`37-05-25-010149-008-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,592 sqft Living Area
Gross Area	2,392 sqft
1st Floor Area	1,592 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	34,238 sqft (0.786 acres)
Lot Dimensions	298 ft deep x 115 ft wide
Garage Type	Attached
Garage Area	440 sqft

Exterior Amenities

Porch	Finished Screened Porch
Porch Area	360 sqft
Patio Area	300 sqft
Canopy	48 sqft
Storage Building	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3245 WILDERNESS CIR
City	MIDDLEBURG
State	FL
Zip	32068-4139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 18 MCRAE LANDING AS REC OR 4560 PG 61
Legal Range	25E
Legal Township	05S
Legal Section	37
Legal Subdivision	MCRAE LANDING
Legal Lot Number	18
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	2
Census Block	2001
Census Tract	30210

Owner

Source: Clay County records, as of June 17, 2026

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	3245 WILDERNESS CIR, MIDDLEBURG, FL 32068-4139
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Warranty Deed, Transfer · VA Mortgage FIRST MORTGAGE FUNDING
May 26, 2026	Warranty Deed, Transfer · VA Mortgage FIRST RATE MORTGAGE FUNDING
Jan 18, 2022	Warranty Deed, Transfer · Conventional Mortgage BAYWAY MORTGAGE GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2026
Deed Sale	May 26, 2026
Prior Sale	Jan 18, 2022 · Amount on Record
Deed Document Number	202625458
Deed Book / Page	5048 / 1684
Prior Transfer Date	Jan 4, 2000
Prior Transfer Doc	0000002678
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	May 26, 2026
Property Address	3245 WILDERNESS CIR, MIDDLEBURG, FL 32068-4139
Document Number	0050481684
Book / Page	5048 / 1684
Instrument Date	May 15, 2026
Instrument	202625458
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	LANDMARK TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3245 WILDERNESS CIR, MIDDLEBURG, FL 32068-4139

Mortgage

Document Number	0000025459,
Date	May 26, 2026
Instrument	202625459

Lender

Name	FIRST MORTGAGE FUNDING

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	May 26, 2026
Property Address	3245 WILDERNESS CIR, MIDDLEBURG, FL 32068-4139
Document Number	0000025458
Book / Page	5048 / 1684
Instrument Date	May 15, 2026
Instrument	202625458
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	LANDMARK TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3245 WILDERNESS CIR, MIDDLEBURG, FL 32068-4139

Mortgage

Document Number	0000025459,
Date	May 26, 2026
Instrument	202625459

Lender

Name	FIRST RATE MORTGAGE FUNDING

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jan 18, 2022
Property Address	3245 WILDERNESS CIR, MIDDLEBURG, FL 32068-4139
Document Number	0045600061
Book / Page	4560 / 61
Map Reference	MB 15 PG 51-58
Instrument Date	Jan 14, 2022
Instrument	2022003665
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,652.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1037 CHAPEL CREEK LANE, 1037, DELTONA, FL 32725

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3245 WILDERNESS CIR, MIDDLEBURG, FL 32068-4139

Mortgage

Document Number	0000456063
Date	Jan 18, 2022
Instrument	4560/63

Lender

Name	BAYWAY MORTGAGE GROUP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

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	$2,893.00 (+2.44%) Homeowner's exemption	$229,853 (-2.11%) Land $50,000 Building $179,853	$229,853 (-2.11%) Land $50,000 Building $179,853
2024	$2,824.00 (-14.16%)
2023	$3,290.00 (+168.79%) Homeowner's exemption	$234,804 (+111.35%) Land $50,000 Building $184,804	$234,804 (+15.21%) Land $50,000 Building $184,804
2022	$1,224.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$111,096	$203,803 Land $35,000 Building $168,803

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 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	Hurricane Irma, Sep 2017 · 7 claims Tropical Storm Debby, Jun 2012 · 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 57% of the US · lower than 71% 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.

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Wilderness Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures