3446 Rustic Oak Trl, Middleburg, FL 32068 Property Records

Clay County property record for 3446 Rustic Oak Trl, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,477 sqft · built 2008
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$389,000 (Jan 2020)
Tax Bill	$324 (2023)
Deeds & Mortgages	Jan 2022 Mortgage Aug 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-05-25-010084-021-15`

Property Details

APN / Parcel Number

Primary APN	`19-05-25-010084-021-15`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,477 sqft Heated Area
Gross Area	3,880 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Area	3,124 sqft
Porch	Porch
Porch Area	635 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3446 RUSTIC OAK TRL
City	MIDDLEBURG
State	FL
Zip	32068-5811
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT N1/2 A/K/A LOT 27 O R 4266PG 1704
Legal Range	25
Legal Township	05
Legal Section	19
Legal Lot Number	27
Jurisdiction	CLAY FL
Township / Civil Division	PENNEY FARMS
Census Block Group	1
Census Block	1011
Census Tract	31203

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
Co-owner	Co-owner on Record
Mailing Address	3446 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Aug 20, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jan 6, 2020	Warranty Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2020 · Amount on Record
Deed Sale	Jan 6, 2020 · Amount on Record
Prior Sale	Aug 5, 2014 · Amount on Record
Deed Document Number	2020000678
Deed Book / Page	4266 / 1704
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3446 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5811
Transaction Type	Mortgage
Record Updated	Feb 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3446 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5811

Mortgage

Document Number	0045651471
Date	Jan 31, 2022
Book Page	4565/1471
Instrument	2022006820

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	344 Months
Due	Sep 1, 2050

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3446 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5811
Transaction Type	Mortgage
Record Updated	Sep 1, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3446 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5811

Mortgage

Document Number	0044981063
Date	Aug 20, 2021
Book Page	4498/1063
Instrument	2021052119

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jan 6, 2020
Property Address	3446 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5811
Document Number	0042661704
Book / Page	4266 / 1704
Instrument Date	Dec 26, 2019
Instrument	2020000678
Transaction Type	Transfer
Record Updated	Feb 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,723.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 PINE RIDGE CIR, 104, UNICOI, TN 37692-6479

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3446 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5811

Mortgage

Document Number	0042661706
Date	Jan 6, 2020
Instrument	4266/1706

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

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	Disabled Person's exemption Veteran's exemption	$458,201 (+16.68%)	$608,550 (+11.16%) Land $90,000 Building $518,550
2023	$324.00 (+54.29%) Disabled Person's exemption Veteran's exemption	$392,707 (+3%)	$547,449 (+18.3%) Land $90,000 Building $457,449
2022	$210.00 Disabled Person's exemption Veteran's exemption	$381,269	$462,779 Land $60,000 Building $402,779

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 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 Record 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

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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