3389 Wilderness Cir, Middleburg, FL 32068 Property Records

Clay County property record for 3389 Wilderness Cir, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,920 sqft · built 1983
Lot Size	0.732 acres (31,929 sqft)
Owner	Individual Name on Record
Last Sale	$344,900 (Jan 2024)
Tax Bill	$3,809 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Jan 2024 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`37-05-25-010149-049-00`

Property Details

APN / Parcel Number

Primary APN	`37-05-25-010149-049-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,920 sqft Heated Area
Gross Area	2,703 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	31,929 sqft (0.732 acres)
Lot Dimensions	355 ft deep x 90 ft wide
Garage Type	Carport
Garage Area	523 sqft
Carport	Carport
Carport Area	276 sqft

Exterior Amenities

Porch	Porch
Porch Area	260 sqft
Deck Area	200 sqft
Storage Building	18 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3389 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 59 MCRAE LANDING AS REC OR 4790 PG 2103
Legal Range	25
Legal Township	05
Legal Section	37
Legal Subdivision	MCRAE LANDING
Legal Lot Number	59
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 18, 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	3389 WILDERNESS CIR, MIDDLEBURG, FL 32068-4129
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2025	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 30, 2024	Warranty Deed, Transfer · Conventional Mortgage INTERGRITY HOME MORTGAGE
Oct 31, 2023	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Jun 6, 2019	Deed of Trust, Mortgage · Line of Credit 121 FINANCIAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2024 · Amount on Record
Deed Sale	Jan 30, 2024 · Amount on Record
Prior Sale	Oct 31, 2023 · Amount on Record
Deed Document Number	2024004359
Deed Book / Page	4790 / 2103
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3389 WILDERNESS CIR, MIDDLEBURG, FL 32068-4129
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3389 WILDERNESS CIR, MIDDLEBURG, FL 32068-4129

Mortgage

Document Number	0049560282
Date	Aug 4, 2025
Book Page	4956/282
Instrument	2025036225

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2055

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jan 30, 2024
Property Address	3389 WILDERNESS CIR, MIDDLEBURG, FL 32068-4129
Document Number	0047902103
Book / Page	4790 / 2103
Map Reference	MB 15 PG 51-58
Instrument Date	Jan 26, 2024
Instrument	2024004359
Transaction Type	Transfer
Record Updated	Feb 26, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,414.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3389 WILDERNESS CIR, MIDDLEBURG, FL 32068-4129

Mortgage

Document Number	0047902105
Date	Jan 30, 2024
Instrument	4790/2105

Lender

Name	INTERGRITY HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Oct 31, 2023
Property Address	3389 WILDERNESS CIR, MIDDLEBURG, FL 32068-4129
Document Number	0047700180
Book / Page	4770 / 180
Map Reference	MB 15 PG 51-58
Instrument Date	Oct 30, 2023
Instrument	2023054261
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$2,166.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5294 JACARANDA AVE, MIDDLEBURG, FL 32068-3506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3389 WILDERNESS CIR, MIDDLEBURG, FL 32068-4129
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041990623
Date	Jun 6, 2019
Book Page	4199/0623
Instrument	2019029180

Lender

Name	121 FINANCIAL CU
Type	Credit Union
Address	JACKSONVILLE, FL 32203

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 5, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Clay County assessment roll, as of July 1, 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	$3,809.00 (+116.05%) Homeowner's exemption	$289,886 (+108.2%) Land $50,000 Building $239,886	$289,886 (-1.76%) Land $50,000 Building $239,886
2023	$1,763.00 (+6.27%) Homeowner's exemption Widower's exemption	$139,234 (+3%)	$295,079 (+14.25%) Land $50,000 Building $245,079
2022	$1,659.00 Homeowner's exemption Widower's exemption	$135,179	$258,275 Land $35,000 Building $223,275

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 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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