3412 Cutting Ct, Middleburg, FL 32068 Property Records

Clay County property record for 3412 Cutting Ct, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,648 sqft · built 2003
Lot Size	0.151 acres (6,580 sqft)
Owner	Individual Name on File
Tax Bill	$3,729 (2024)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-05-25-009008-001-59`

Property Details

APN / Parcel Number

Primary APN	`04-05-25-009008-001-59`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,648 sqft Living Area
Gross Area	2,173 sqft
1st Floor Area	692 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,580 sqft (0.151 acres)
Garage Type	Attached
Garage Area	525 sqft
Porch	Finished/Open Porch
Porch Area	106 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3412 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 59 RIDEOUT HIDEAWAY AS REC OR 4779 PG 731
Legal Range	25E
Legal Township	05S
Legal Section	04
Legal Subdivision	RIDEOUT HIDEAWAY
Legal Lot Number	59
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	2
Census Block	2001
Census Tract	30210

Owner

3412 Cutting Ct is owned and occupied by an individual who acquired it in December 2023.

Source: Clay County records, as of December 3, 2025

Owner of Record	Individual Name on File
Mailing Address	3412 CUTTING CT, MIDDLEBURG, FL 32068-4157
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2023
Deed Sale	Dec 11, 2023
Prior Sale	Aug 25, 2003 · Amount on File
Deed Document Number	202360184
Deed Book / Page	4779 / 731
Record Updated	Sep 20, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Dec 11, 2023
Property Address	3412 CUTTING CT, MIDDLEBURG, FL 32068-4157
Document Number	0047790731
Book / Page	4779 / 731
Map Reference	MB 38 PG 60
Instrument Date	Nov 30, 2023
Instrument	2023060184
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,037.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5090 TIMBERWOOD TRL, MIDDLEBURG, FL 32068-3667

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3412 CUTTING CT, MIDDLEBURG, FL 32068-4157

Mortgage

Document Number	0004779733
Date	Dec 11, 2023
Instrument	4779/733

Lender

Name	FLORIDA CAPITAL BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

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		$237,058 Land $45,000 Building $192,058	$237,058 Land $45,000 Building $192,058
2024	$3,729.00 (+158.6%)
2023	$1,442.00 (+12.57%) Homeowner's exemption	$113,138 (+3%)	$243,514 (+20.12%) Land $45,000 Building $198,514
2022	$1,281.00 Homeowner's exemption	$109,843	$202,719 Land $30,000 Building $172,719

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

FEMA maps place 3412 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 3412 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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