3416 Rustic Oak Trl, Middleburg, FL 32068 Property Records

Clay County property record for 3416 Rustic Oak Trl, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,262 sqft · built 1999
Lot Size	1.09 acres (47,480 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Apr 2022)
Tax Bill	$3,155 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-05-25-010084-021-22`

Property Details

APN / Parcel Number

Primary APN	`19-05-25-010084-021-22`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,262 sqft Living Area
Gross Area	1,724 sqft
1st Floor Area	1,262 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	47,480 sqft (1.09 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Finished/Open Porch
Porch Area	84 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3416 RUSTIC OAK TRL
City	MIDDLEBURG
State	FL
Zip	32068-5811
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT E1/2 OF NW1/4 S19T5R25 AS REC OR 4590 PG 1148
Legal Range	25E
Legal Township	05S
Legal Section	19
Jurisdiction	CLAY FL
Township / Civil Division	PENNEY FARMS
Census Block Group	1
Census Block	1011
Census Tract	31203

Owner

3416 Rustic Oak Trl is owned and occupied by an individual who bought it in April 2022.

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

Owner of Record	Individual Name on File
Mailing Address	3416 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5811
Occupancy	Owner Occupied
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
Apr 1, 2022	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Feb 13, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2022 · Amount on File
Deed Sale	Apr 1, 2022 · Amount on File
Deed Document Number	202220871
Deed Book / Page	4590 / 1148
Prior Transfer Date	Aug 11, 2016
Prior Transfer Doc	0039430864
Record Updated	Sep 20, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Apr 1, 2022
Property Address	3416 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5811
Document Number	0045901148
Book / Page	4590 / 1148
Instrument Date	Mar 29, 2022
Instrument	2022020871
Transaction Type	Transfer
Record Updated	Apr 18, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2759 WINDEMERE CT, 2759, MIDDLEBURG, FL 32068-5814

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3416 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5811

Mortgage

Document Number	0045901150
Date	Apr 1, 2022
Instrument	4590/1150

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3416 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5811
Transaction Type	Mortgage
Record Updated	Dec 1, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045360280
Date	Nov 16, 2021
Book Page	4536/280
Instrument	2021072796

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3416 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5811
Document Number	0040011345
Book / Page	004001 / 001345
Instrument Date	Aug 3, 2017
Transaction Type	Mortgage
Record Updated	Sep 14, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3416 RUSTIC OAK TRL MIDDLEBURG FL 320685811, MIDDLEBURG, FL 32068-5811

Mortgage

Document Number	0040011345
Date	Aug 10, 2017
Book Page	004001/001345
Instrument	40833

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 9, 2047

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY FL
Recording Date	Feb 13, 2017
Property Address	3416 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5811
Document Number	0039430864
Book / Page	003943 / 000864
Instrument Date	Aug 11, 2005
Instrument	7342
Transaction Type	Transfer
Record Updated	May 25, 2017
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
Relationship	Joint Tenants with Right of Survivorship
Address	3416 RUSTIC OAK TRL MIDDLEBURG FL 320685811, MIDDLEBURG, FL 32068-5811

Tax Assessment & Valuation

The 2025 property tax bill for 3416 Rustic Oak Trl was $3,155 with a homeowner's exemption, up 2.8% from the year before.

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	$3,155.00 (+2.84%) Homeowner's exemption	$247,020 Land $49,050 Building $197,970	$247,020 Land $49,050 Building $197,970
2024	$3,068.00 (-8.47%)
2023	$3,352.00 (+389.34%) Homeowner's exemption	$238,926 (+144.74%) Land $49,050 Building $189,876	$238,926 (+19.08%) Land $49,050 Building $189,876
2022	$685.00 Homeowner's exemption Additional exemption filed	$97,625	$200,646 Land $32,700 Building $167,946

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 3416 Rustic Oak Trl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 3416 Rustic Oak Trl is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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