3449 Rustic Oak Trl, Middleburg, FL 32068 Property Records

Clay County property record for 3449 Rustic Oak Trl, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,505 sqft · built 2005
Lot Size	1.6 acres (69,696 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Sep 2005)
Tax Bill	$324 (2023)
Deeds & Mortgages	Oct 2025 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-05-25-010084-021-26`

Property Details

APN / Parcel Number

Primary APN	`19-05-25-010084-021-26`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,505 sqft Heated Area
Gross Area	3,497 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	69,696 sqft (1.6 acres)
Garage Area	474 sqft
Porch	Porch
Porch Area	518 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3449 RUSTIC OAK TRL
City	MIDDLEBURG
State	FL
Zip	32068-5812
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE1/4 OF NW1/4 O R 2599 PG1839
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 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	3449 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2005 · Amount on Record
Deed Sale	Sep 19, 2005 · Amount on Record
Prior Sale	Mar 31, 2005 · Amount on Record
Deed Document Number	2005068308
Deed Book / Page	2599 / 1839
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3449 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5812
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3449 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5812

Mortgage

Document Number	0049741415
Date	Oct 2, 2025
Book Page	4974/1415
Instrument	2025046605

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2045

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	$202,923 (+5.99%)	$483,865 (+4.01%) Land $72,000 Building $411,865
2023	$324.00 (+54.29%) Disabled Person's exemption Veteran's exemption	$191,462 (+3%)	$465,222 (+17.7%) Land $72,000 Building $393,222
2022	$210.00 Disabled Person's exemption Veteran's exemption	$185,886	$395,270 Land $48,000 Building $347,270

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T.

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