3369 Wilderness Cir, Middleburg, FL 32068 Property Records

Clay County property record for 3369 Wilderness Cir, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,982 sqft · built 1984
Lot Size	0.647 acres (28,183 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Mar 2017)
Tax Bill	$3,120 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Mar 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`37-05-25-010149-043-00`

Property Details

APN / Parcel Number

Primary APN	`37-05-25-010149-043-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,982 sqft Living Area
Gross Area	2,488 sqft
1st Floor Area	1,982 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1994
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	28,183 sqft (0.647 acres)
Lot Dimensions	274 ft deep x 103 ft wide
Garage Type	Attached
Garage Area	506 sqft

Exterior Amenities

Pool Area	528 sqft
Porch	Finished/Open Porch
Porch Area	100 sqft
Deck Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3369 WILDERNESS CIR
City	MIDDLEBURG
State	FL
Zip	32068-4129
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 53 MCRAE LANDING AS REC OR 3957 PG 2131
Legal Range	25E
Legal Township	05S
Legal Section	37
Legal Subdivision	MCRAE LANDING
Legal Lot Number	53
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	Individual Name on Record
Mailing Address	3369 WILDERNESS CIR, MIDDLEBURG, FL 32068-4129
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Mar 19, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Apr 25, 2018	Loan Modification, Mortgage · Conventional with PMI PENNYMAC
Mar 31, 2017	Warranty Deed, Transfer · VA Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2017 · Amount on Record
Deed Sale	Mar 31, 2017 · Amount on Record
Prior Sale	Aug 1, 2016 · Amount on Record
Deed Document Number	201715880
Deed Book / Page	3957 / 2131
Prior Transfer Date	Aug 18, 2014
Prior Transfer Doc	0036931502
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3369 WILDERNESS CIR, MIDDLEBURG, FL 32068-4129
Transaction Type	Mortgage
Record Updated	Nov 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3369 WILDERNESS CIR, MIDDLEBURG, FL 32068-4129

Mortgage

Document Number	0046651128
Date	Nov 8, 2022
Book Page	4665/1128
Instrument	2022066223

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	476 Months
Due	Jul 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3369 WILDERNESS CIR, MIDDLEBURG, FL 32068-4129
Document Number	0042930971
Instrument Date	Mar 19, 2020
Transaction Type	Mortgage
Record Updated	Apr 13, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3369 WILDERNESS CIR MIDDLEBURG FL 320684129, MIDDLEBURG, FL 32068-4129

Mortgage

Document Number	0042930971
Date	Mar 30, 2020
Book Page	004293/000971
Instrument	16470

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2050

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY FL
Property Address	3369 WILDERNESS CIR, MIDDLEBURG, FL 32068-4129
Document Number	0041151460
Instrument Date	Apr 25, 2018
Transaction Type	Mortgage
Record Updated	Sep 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3369 WILDERNESS CIR MIDDLEBURG FL 320684129, MIDDLEBURG, FL 32068-4129

Mortgage

Document Number	0041151460
Date	Aug 21, 2018
Book Page	004115/001460
Instrument	43829

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2048

Interest

Rate Type	Fixed Rate
Rate	4.37%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Mar 31, 2017
Property Address	3369 WILDERNESS CIR, MIDDLEBURG, FL 32068-4129
Document Number	0039572131
Book / Page	003957 / 002131
Instrument Date	Mar 31, 2017
Instrument	15880
Transaction Type	Transfer
Record Updated	Jun 2, 2017
Title Company	OTHER

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3369 WILDERNESS CIR MIDDLEBURG FL 320684129, MIDDLEBURG, FL 32068-4129

Mortgage

Document Number	39572135
Date	Mar 31, 2017
Book Page	003957/002135
Instrument	15882

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	MUIR BEACH, CA 94965

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2047

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	$3,120.00 (+4.84%) Homeowner's exemption	$244,734 (+5.99%)	$309,504 (-1.97%) Land $50,000 Building $259,504
2024	$2,976.00 (-7.89%)
2023	$3,231.00 (+6.95%) Homeowner's exemption	$230,910 (+3%)	$315,732 (+14.67%) Land $50,000 Building $265,732
2022	$3,021.00 Homeowner's exemption	$224,185	$275,335 Land $35,000 Building $240,335

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 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 56% of the US · lower than 72% 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

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