3281 Wilderness Cir, Middleburg, FL 32068 Property Records

Clay County property record for 3281 Wilderness Cir, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,800 sqft · built 1983
Lot Size	0.757 acres (32,974 sqft)
Owner	2 Company Names on Record
Last Sale	$500,000 (Apr 2023)
Tax Bill	$6,300 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Mar 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`37-05-25-010149-018-00`

Property Details

APN / Parcel Number

Primary APN	`37-05-25-010149-018-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,800 sqft Living Area
Gross Area	3,525 sqft
1st Floor Area	1,975 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2003
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	32,974 sqft (0.757 acres)
Lot Dimensions	330 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	441 sqft
Pool Area	540 sqft
Porch	Finished Screened Porch
Porch Area	390 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3281 WILDERNESS CIR
City	MIDDLEBURG
State	FL
Zip	32068-4139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	PT LOTS 27 & 28 MCRAE LANDING AS REC OR 4712 PG 395, 4871 PG 775
Legal Range	25E
Legal Township	05S
Legal Section	37
Legal Subdivision	MCRAE LANDING
Legal Lot Number	27,28
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 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 Company Names on Record
Mailing Address	3281 WILDERNESS CIR, MIDDLEBURG, FL 32068-4139
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2023	Warranty Deed, Transfer · VA Mortgage BANK OF ENGLAND
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2023 · Amount on Record
Deed Sale	Apr 20, 2023 · Amount on Record
Prior Sale	May 21, 2015 · Amount on Record
Deed Document Number	202318847
Deed Book / Page	4712 / 395
Last Transfer Date	Oct 22, 2024
Transfer Doc	0048710775
Record Updated	Jun 8, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Apr 20, 2023
Property Address	3281 WILDERNESS CIR, MIDDLEBURG, FL 32068-4139
Document Number	0047120395
Book / Page	4712 / 395
Map Reference	MB 15 PG 51-58
Instrument Date	Apr 4, 2023
Instrument	2023018847
Transaction Type	Transfer
Record Updated	May 17, 2023
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3185 CHIMNEY DR, MIDDLEBURG, FL 32068-4212

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3281 WILDERNESS CIR, MIDDLEBURG, FL 32068-4139

Mortgage

Document Number	0004712397
Date	Apr 20, 2023
Instrument	4712/397

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

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

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3281 WILDERNESS CIR, MIDDLEBURG, FL 32068-4139
Transaction Type	Mortgage
Record Updated	Mar 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044290616
Date	Mar 15, 2021
Book Page	4429/616
Instrument	2021015950

Lender

Name	COMMUNITY FIRST CREDIT UNION OF FLORIDA
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

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

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	$6,300.00 (+3.01%)	$463,227 (+81.19%) Land $50,000 Building $413,227	$463,227 (-1.69%) Land $50,000 Building $413,227
2024	$6,116.00 (+69.61%)
2023	$3,606.00 (+6.47%) Homeowner's exemption	$255,662 (+3%)	$471,175 (+12.93%) Land $50,000 Building $421,175
2022	$3,387.00 Homeowner's exemption	$248,216	$417,213 Land $35,000 Building $382,213

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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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