3408 Wilderness Cir, Middleburg, FL 32068 Property Records

Clay County property record for 3408 Wilderness Cir, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,775 sqft · built 1987
Lot Size	0.494 acres (21,562 sqft)
Owner	Individual Name on Record
Last Sale	$188,000 (Aug 2015)
Tax Bill	$1,551 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Mar 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`37-05-25-010149-069-00`

Property Details

APN / Parcel Number

Primary APN	`37-05-25-010149-069-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,775 sqft Heated Area
Gross Area	2,954 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,562 sqft (0.494 acres)
Lot Dimensions	198 ft deep x 109 ft wide
Garage Area	361 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Porch
Porch Area	674 sqft
Patio Area	144 sqft
Storage Building	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3408 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 79 MCRAE LANDING AS REC OR 3781 PG 1417
Legal Range	25
Legal Township	05
Legal Section	37
Legal Subdivision	MCRAE LNDG
Legal Lot Number	79
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	Individual Name on Record
Mailing Address	3408 WILDERNESS CIR, MIDDLEBURG, FL 32068-4138
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU
Mar 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage 121 FINANCIAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2015 · Amount on Record
Deed Sale	Aug 27, 2015 · Amount on Record
Deed Document Number	2015044311
Deed Book / Page	3781 / 1416
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3408 WILDERNESS CIR, MIDDLEBURG, FL 32068-4138
Transaction Type	Mortgage
Record Updated	Jul 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3408 WILDERNESS CIR, MIDDLEBURG, FL 32068-4138

Mortgage

Document Number	0046171703
Date	Jun 14, 2022
Book Page	4617/1703
Instrument	2022036760

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

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

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3408 WILDERNESS CIR, MIDDLEBURG, FL 32068-4138
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040631984
Date	Mar 15, 2018
Book Page	4063/1984
Instrument	2018013023

Lender

Name	121 FINANCIAL CU
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2033

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	$1,551.00 (-11.72%) Homeowner's exemption	$141,864 (+5.99%)	$321,737 (-1.6%) Land $50,000 Building $271,737
2023	$1,757.00 (+10.71%) Homeowner's exemption	$133,851 (+3%)	$326,982 (+14.46%) Land $50,000 Building $276,982
2022	$1,587.00 Homeowner's exemption	$129,953	$285,678 Land $35,000 Building $250,678

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

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