3407 Cutting Ct, Middleburg, FL 32068 Property Records

Clay County property record for 3407 Cutting Ct, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,820 sqft · built 2003
Lot Size	0.133 acres (5,829 sqft)
Owner	2 Individual Names on File
Last Sale	$239,200 (Sep 2020)
Tax Bill	$4,000 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Sep 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-05-25-009008-001-54`

Property Details

APN / Parcel Number

Primary APN	`04-05-25-009008-001-54`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,820 sqft Heated Area
Gross Area	2,383 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,829 sqft (0.133 acres)
Garage Area	504 sqft
Porch	Porch
Porch Area	41 sqft
Patio Area	18 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3407 CUTTING CT
City	MIDDLEBURG
State	FL
Zip	32068-4157
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Description	LOT 54 RIDEOUT HIDEAWAY AS RECO R 4354 PG 2099
Legal Range	25
Legal Township	05
Legal Section	04
Legal Subdivision	RIDEOUT HIDEAWAY
Legal Lot Number	54
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	2
Census Block	2001
Census Tract	30210

Owner

3407 Cutting Ct is owned by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	5001 PLAZA ON THE LK STE 200, 200, AUSTIN, TX 78746-1053
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · Commercial Mortgage MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Sep 18, 2020	Grant Deed, Transfer ATTORNEY ONLY
Jul 30, 2020	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2020 · Amount on File
Deed Sale	Sep 18, 2020 · Amount on File
Prior Sale	Jul 30, 2020 · Amount on File
Deed Document Number	2020048296
Deed Book / Page	4354 / 2099
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3407 CUTTING CT, MIDDLEBURG, FL 32068-4157
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0045401164
Date	Nov 29, 2021
Book Page	4540/1164
Instrument	2021075167

Lender

Name	MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Type	Mortgage Company
Address	NEW YORK, NY 10036

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	61 Months
Due	Dec 9, 2026

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CLAY FL
Recording Date	Sep 18, 2020
Property Address	3407 CUTTING CT, MIDDLEBURG, FL 32068-4157
Document Number	0043542099
Book / Page	004354 / 002099
Instrument Date	Sep 17, 2020
Instrument	48296
Transaction Type	Transfer
Record Updated	Oct 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5001 PLAZA ON THE LK AUSTIN TX 787461070, AUSTIN, TX 78746-1070

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jul 30, 2020
Property Address	3407 CUTTING CT, MIDDLEBURG, FL 32068-4157
Document Number	0043350710
Book / Page	004335 / 000710
Instrument Date	Jul 24, 2020
Instrument	38159
Transaction Type	Transfer
Record Updated	Aug 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,418.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5001 PLAZA N THE LK #200 AUSTIN TX 78746, 200, AUSTIN, TX 78746
Investor	Possibly a Property Investor

Mortgage

Document Number	43350713
Date	Jul 30, 2020
Book Page	004335/000713
Instrument	38160

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 29, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3407 Cutting Ct was $4,000.

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	$4,000.00	$277,036 Land $45,000 Building $232,036	$277,036 Land $45,000 Building $232,036
2023	$3,973.00 (+16.75%)	$284,265 (+19.44%) Land $45,000 Building $239,265	$284,265 (+19.44%) Land $45,000 Building $239,265
2022	$3,403.00	$238,006 Land $30,000 Building $208,006	$238,006 Land $30,000 Building $208,006

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3407 Cutting Ct in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2012.

Source: FEMA National Flood Hazard Layer, effective July 6, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 3407 Cutting Ct is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% 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 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications.

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