3448 Rustic Oak Trl, Middleburg, FL 32068 Property Records

Clay County property record for 3448 Rustic Oak Trl, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,463 sqft · built 1995
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Tax Bill	$3,844 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage May 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`19-05-25-010084-021-19`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,463 sqft Heated Area
Gross Area	2,012 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Area	399 sqft

Exterior Amenities

Porch	Porch
Porch Area	30 sqft
Patio Area	120 sqft
Storage Building	9 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3448 RUSTIC OAK TRL
City	MIDDLEBURG
State	FL
Zip	32068-5811
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF E1/2 OF NW1/4 S19T5R25 AS REC O R 4232 PG 329, 4845 PG1057
Legal Range	25
Legal Township	05
Legal Section	19
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1153 CREEKS RIDGE RD, JACKSONVILLE, FL 32225-7328
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2019	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU
May 23, 2019	Warranty Deed, Transfer COMPASS CLOSINGS AND TITLE SERVICES, COMPASS CLOSINGS & TITLE SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 25, 2023
Deed Sale	Nov 25, 2023
Prior Sale	May 23, 2019 · Amount on Record
Deed Document Number	0048451057
Deed Book / Page	4232 / 0329
Prior Transfer Date	Sep 16, 2019
Prior Transfer Doc	2019049826
Record Updated	Jun 8, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Sep 16, 2019
Property Address	3448 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5811
Document Number	0042320329
Book / Page	004232 / 000329
Instrument Date	Sep 13, 2019
Instrument	49826
Transaction Type	Transfer
Record Updated	Oct 21, 2019
Title Company	REALTY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3448 RUSTIC OAK TRL MIDDLEBURG FL 320685811, MIDDLEBURG, FL 32068-5811

Mortgage

Document Number	42320330
Date	Sep 16, 2019
Book Page	004232/000330
Instrument	49827

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2049

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	May 23, 2019
Property Address	3448 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5811
Document Number	0041940881
Book / Page	004194 / 000881
Instrument Date	May 7, 2019
Instrument	26313
Transaction Type	Transfer
Record Updated	Jun 5, 2019
Title Company	COMPASS CLOSINGS AND TITLE SERVICES, COMPASS CLOSINGS & TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$1,050.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3436 RUSNC OAKS TRL MIDDLEBURG FL 32068, MIDDLEBURG, FL 32068

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	$3,844.00 (+65.62%)	$252,032 (+47.39%) Land $45,000 Building $207,032	$252,032 (+4.57%) Land $45,000 Building $207,032
2023	$2,321.00 (+8.66%) Homeowner's exemption	$170,996 (+3%)	$241,022 (+18.33%) Land $45,000 Building $196,022
2022	$2,136.00 Homeowner's exemption	$166,016	$203,678 Land $30,000 Building $173,678

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 X minimal risk
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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