3401 Wilderness Cir, Middleburg, FL 32068 Property Records

Clay County property record for 3401 Wilderness Cir, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,720 sqft · built 1983
Lot Size	0.729 acres (31,755 sqft)
Owner	Individual Name on Record
Last Sale	$161,000 (Nov 2016)
Tax Bill	$1,943 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Apr 2018 Loan Modification + 2 more
Flood Zone	Zone AE (high risk)
APN	`37-05-25-010149-052-00`

Property Details

APN / Parcel Number

Primary APN	`37-05-25-010149-052-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,720 sqft Living Area
Gross Area	2,196 sqft
1st Floor Area	1,540 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	31,755 sqft (0.729 acres)
Lot Dimensions	353 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	476 sqft

Exterior Amenities

Pool Area	288 sqft
Porch	Finished/Open Porch
Porch Area	64 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3401 WILDERNESS CIR
City	MIDDLEBURG
State	FL
Zip	32068-4140
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 62 MCRAE LANDING AS REC OR 3913 PG 2142;4004 PG1753FJ & 4068 PG 1660
Legal Range	25E
Legal Township	05S
Legal Section	37
Legal Subdivision	MCRAE LANDING
Legal Lot Number	62
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	3401 WILDERNESS CIR, MIDDLEBURG, FL 32068-4140
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2023	Deed of Trust, Mortgage · Line of Credit 121 FINANCIAL CU
Apr 6, 2018	Loan Modification, Mortgage · Conventional with PMI VYSTAR CU
Mar 29, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 6, 2017	Loan Modification, Mortgage · Conventional with PMI VYSTAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2016 · Amount on Record
Deed Sale	Nov 7, 2016 · Amount on Record
Deed Document Number	201655058
Deed Book / Page	3913 / 2142
Last Transfer Date	Mar 29, 2018
Transfer Doc	0040681660
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3401 WILDERNESS CIR, MIDDLEBURG, FL 32068-4140
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 WILDERNESS CIR, MIDDLEBURG, FL 32068-4140

Mortgage

Document Number	0047140920
Date	Apr 27, 2023
Book Page	4714/920
Instrument	2023020235

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 26, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY FL
Property Address	3401 WILDERNESS CIR, MIDDLEBURG, FL 32068-4140
Document Number	0040781664
Instrument Date	Apr 6, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 WILDERNESS CIR MIDDLEBURG FL 320684140, MIDDLEBURG, FL 32068-4140

Mortgage

Document Number	0040781664
Date	Apr 27, 2018
Book Page	004078/001664
Instrument	21424

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	36 Months
Due	Apr 26, 2021

Interest

Rate	2%

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY FL
Recording Date	Mar 29, 2018
Property Address	3401 WILDERNESS CIR, MIDDLEBURG, FL 32068-4140
Document Number	0040681660
Book / Page	004068 / 001660
Instrument Date	Mar 29, 2018
Instrument	15854
Transaction Type	Transfer
Record Updated	Apr 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 WILDMESS CIR MIDDLEBURG FL 32068, MIDDLEBURG, FL 32068

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY FL
Property Address	3401 WILDERNESS CIR, MIDDLEBURG, FL 32068-4140
Document Number	0040361664
Book / Page	004036 / 001664
Instrument Date	Nov 6, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 WILDERNESS CIR MIDDLEBURG FL 320684140, MIDDLEBURG, FL 32068-4140

Mortgage

Document Number	0040361664
Date	Dec 7, 2017
Book Page	004036/001664
Instrument	62265

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 6, 2047

Interest

Rate Type	Fixed Rate
Rate	3.62%

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	$1,943.00 (+5.03%) Homeowner's exemption	$167,583 (+5.99%)	$240,337 (-1.97%) Land $50,000 Building $190,337
2024	$1,850.00 (-12.94%)
2023	$2,125.00 (+9.25%) Homeowner's exemption	$158,118 (+3%)	$245,177 (+15.63%) Land $50,000 Building $195,177
2022	$1,945.00 Homeowner's exemption	$153,513	$212,043 Land $35,000 Building $177,043

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 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 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

Nearby Properties on Wilderness Cir

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