3404 Wilderness Cir, Middleburg, FL 32068 Property Records

Clay County property record for 3404 Wilderness Cir, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,891 sqft · built 1986
Lot Size	0.561 acres (24,480 sqft)
Owner	Company Name on Record
Last Sale	$370,000 (Mar 2022)
Tax Bill	$4,132 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2022 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`37-05-25-010149-070-00`

Property Details

APN / Parcel Number

Primary APN	`37-05-25-010149-070-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,891 sqft Heated Area
Gross Area	2,682 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	24,480 sqft (0.561 acres)
Lot Dimensions	245 ft deep x 100 ft wide
Garage Area	495 sqft

Exterior Amenities

Pool Area	595 sqft
Porch	Porch
Porch Area	248 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3404 WILDERNESS CIR
City	MIDDLEBURG
State	FL
Zip	32068-4138
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 80 MCRAE LANDING AS REC OR 4587 PG 1847
Legal Range	25
Legal Township	05
Legal Section	37
Legal Subdivision	MCRAE LNDG
Legal Lot Number	80
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	2
Census Block	2003
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	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	3404 WILDERNESS CIR, MIDDLEBURG, FL 32068-4138
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2021	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Mar 24, 2022	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 23, 2019	Warranty Deed, Transfer · VA Mortgage EQUITY RSRCS
Dec 20, 2018	Deed of Trust, Mortgage · Line of Credit VYSTAR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2022 · Amount on Record
Deed Sale	Mar 24, 2022 · Amount on Record
Prior Sale	Sep 23, 2019 · Amount on Record
Deed Document Number	2022019326
Deed Book / Page	4587 / 1847
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3404 WILDERNESS CIR, MIDDLEBURG, FL 32068-4138
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3404 WILDERNESS CIR, MIDDLEBURG, FL 32068-4138

Mortgage

Document Number	0045291543
Date	Nov 1, 2021
Book Page	4529/1543
Instrument	2021069112

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Mar 24, 2022
Property Address	3404 WILDERNESS CIR, MIDDLEBURG, FL 32068-4138
Document Number	0045871847
Book / Page	4587 / 1847
Map Reference	MB 15 PG 51-58
Instrument Date	Mar 21, 2022
Instrument	2022019326
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	LANDMARK TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2504 WESTCHESTER CT, 2504, GREEN COVE SPRINGS, FL 32043-5289

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3404 WILDERNESS CIR, MIDDLEBURG, FL 32068-4138
Investor	Possibly a Property Investor

Mortgage

Document Number	0045871849
Date	Mar 24, 2022
Instrument	4587/1849

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Sep 23, 2019
Property Address	3404 WILDERNESS CIR, MIDDLEBURG, FL 32068-4138
Document Number	0042331979
Book / Page	004233 / 001979
Instrument Date	Sep 13, 2019
Instrument	50761
Transaction Type	Transfer
Record Updated	Oct 21, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,952.02
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4683 PINE LAKE DR MIDDLEBURG FL 320688724, MIDDLEBURG, FL 32068-8724

Mortgage

Document Number	42331981
Date	Sep 23, 2019
Book Page	004233/001981
Instrument	50762

Lender

Name	EQUITY RSRCS
Type	Funding / Finance Company
Address	NEWARK, OH 43055

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 22, 2049

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3404 WILDERNESS CIR, MIDDLEBURG, FL 32068-4138
Document Number	0041560364
Instrument Date	Dec 20, 2018
Transaction Type	Mortgage
Record Updated	Feb 7, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3404 WILDERNESS CIR MIDDLEBURG FL 320684138, MIDDLEBURG, FL 32068-4138

Mortgage

Document Number	0041560364
Date	Jan 11, 2019
Book Page	004156/000364
Instrument	2022

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 10, 2029

Interest

Rate Type	Adjustable Rate

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	$4,132.00 (-1.17%) Homeowner's exemption	$311,072 (+5.99%)	$326,303 (-1.59%) Land $50,000 Building $276,303
2023	$4,181.00 (+30.41%) Homeowner's exemption	$293,501 (+24.2%)	$331,561 (+12.91%) Land $50,000 Building $281,561
2022	$3,206.00 Homeowner's exemption	$236,319	$293,640 Land $35,000 Building $258,640

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 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

Nearby Properties on Wilderness Cir

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