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3290 Thunder Rd, Middleburg, FL 32068 Property Records

Clay County property record for 3290 Thunder Rd, Middleburg, FL 32068

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,648 sqft · built 2005
Lot Size1.09 acres (47,828 sqft)
OwnerIndividual Name on Record
Last Sale$300,000 (Dec 2024)
Tax Bill$4,185 (2025)
Deeds & MortgagesDec 2025 Mortgage
Feb 2023 Transfer
Flood ZoneZone X (minimal risk)
APN31-05-25-010136-002-00

Property Details

APN / Parcel Number

Primary APN31-05-25-010136-002-00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,648 sqft Heated Area
Gross Area2,168 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Exterior MaterialStucco
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area47,828 sqft (1.09 acres)
Lot Dimensions330 ft deep x 145 ft wide
Garage TypeCarport
CarportCarport
Carport Area480 sqft

Exterior Amenities

PorchPorch
Porch Area16 sqft
Patio Area504 sqft
FenceFence
Storage Building48 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address3290 THUNDER RD
CityMIDDLEBURG
StateFL
Zip32068-7303
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPT OF SW1/4 AS REC O R 4884 PG702
Legal Range25
Legal Township05
Legal Section31
JurisdictionCLAY FL
Township / Civil DivisionPENNEY FARMS
Census Block Group1
Census Block1007
Census Tract31201

Owner

Source: Clay County records, as of December 18, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address3290 THUNDER RD, MIDDLEBURG, FL 32068-7303
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 17, 2025Deed of Trust, Mortgage · VA Mortgage
PENNYMAC LOAN SERVICES LLC
Feb 28, 2023Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 10, 2024 · Amount on Record
Deed SaleDec 10, 2024 · Amount on Record
Prior SaleFeb 28, 2023
Deed Document Number2024056719
Deed Book / Page4884 / 702
Record UpdatedJun 8, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY FL
Property Address3290 THUNDER RD, MIDDLEBURG, FL 32068-7303
Transaction TypeMortgage
Record UpdatedJan 15, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address3290 THUNDER RD, MIDDLEBURG, FL 32068-7303

Mortgage

Document Number0049971252
DateDec 17, 2025
Book Page4997/1252
Instrument2025058842
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2056

February 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCLAY FL
Recording DateFeb 28, 2023
Property Address3290 THUNDER RD, MIDDLEBURG, FL 32068-7303
Document Number0046922193
Book / Page4692 / 2193
Instrument DateFeb 20, 2023
Instrument2023008864
Transaction TypeTransfer
Record UpdatedMar 24, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3290 THUNDER RD, MIDDLEBURG, FL 32068-7303

Transferred To (Grantee/Buyer)

NameVerified Name
Address3944 JUNE BUG LN, MIDDLEBURG, FL 32068-7335

Tax Assessment & Valuation

Source: Clay County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyClay County
Unified School DistrictClay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,185.00 (+177.7%)$274,436 (+133.7%) Land $49,410 Building $225,026$274,436 (+0.03%) Land $49,410 Building $225,026
2023$1,507.00 (+12.13%) Homeowner's exemption$117,430 (+3%)$274,344 (+26.77%) Land $49,410 Building $224,934
2022$1,344.00 Homeowner's exemption$114,010$216,407 Land $32,940 Building $183,467

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 74 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies74 in force
Nearby Flood Claims31 (1992–2017)
Most Recent ClaimSep 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 RiskModerate
above 60% of the US · lower than 66% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 57 locations within half a mile, as of December 31, 2025

ProviderMax 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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