Clay County property record for 3246 Thunder Rd, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,524 sqft · built 1986 |
| Lot Size | 0.94 acres (40,946 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $200,000 (Mar 2008) |
| Tax Bill | $983 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-05-25-010136-001-01 |
| Primary APN | 31-05-25-010136-001-01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,524 sqft Living Area |
| 1st Floor Area | 1,524 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 40,946 sqft (0.94 acres) |
| Lot Dimensions | 330 ft deep x 146 ft wide |
| Garage Area | 600 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 252 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3246 THUNDER RD |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-7303 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT SW1/4 OR 788 PG 46 & 2996 PG 906 EX PT 1378 PG 1299 R/W |
| 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 |
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 | 3246 THUNDER RD, MIDDLEBURG, FL 32068-7303 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 4, 2008 · Amount on Record |
| Deed Sale | Mar 4, 2008 · Amount on Record |
| Deed Document Number | 200810476 |
| Deed Book / Page | 2996 / 906 |
| Prior Transfer Date | Feb 22, 2008 |
| Prior Transfer Doc | 0029960906 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 3246 THUNDER RD, MIDDLEBURG, FL 32068-7303 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0043190903 |
|---|---|
| Date | Jun 17, 2020 |
| Book Page | 4319/903 |
| Instrument | 2020029953 |
| Name | RIVER CITY MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | CINCINNATI, OH 45242 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 1, 2035 |
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 | $983.00 (+5.47%) Homeowner's exemption | $104,651 (+5.99%) | $219,281 (+0.4%) Land $42,300 Building $176,981 |
| 2024 | $932.00 (-23.86%) | ||
| 2023 | $1,224.00 (+14.61%) Homeowner's exemption | $98,740 (+3%) | $218,401 (+27.25%) Land $42,300 Building $176,101 |
| 2022 | $1,068.00 Homeowner's exemption | $95,865 | $171,629 Land $28,200 Building $143,429 |
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.
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 |
|
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 60% of the US · lower than 66% 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.
Source: FCC Broadband Data Collection, based on 57 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 · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 25 / 3 |
May also be available: Xfinity.
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