3485 Rustic Oak Trl, Middleburg, FL 32068 Property Records

Clay County property record for 3485 Rustic Oak Trl, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,444 sqft · built 1984
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Owner Names on Record
Last Sale	$100,000 (Mar 1999)
Tax Bill	$997 (2025)
Deeds & Mortgages	Mar 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`19-05-25-010084-002-11`

Property Details

APN / Parcel Number

Primary APN	`19-05-25-010084-002-11`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,444 sqft Heated Area
Gross Area	2,048 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	45,738 sqft (1.05 acres)
Lot Dimensions	305 ft deep x 150 ft wide
Garage Area	816 sqft
Porch	Porch
Porch Area	436 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3485 RUSTIC OAK TRL
City	MIDDLEBURG
State	FL
Zip	32068-5812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	LOT 8 RUSTIC OAKS AS REC O R 1784 PG 2052
Legal Range	25
Legal Township	05
Legal Section	19
Legal Subdivision	RUSTIC OAKS
Legal Lot Number	8
Jurisdiction	CLAY FL
Township / Civil Division	PENNEY FARMS
Census Block Group	1
Census Block	1000
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	2 Owner Names on Record
Mailing Address	3485 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5812
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 1999 · Amount on Record
Deed Sale	Mar 30, 1999 · Amount on Record
Deed Document Number	0017842052
Deed Book / Page	1784 / 2052
Last Transfer Date	Apr 5, 1999
Transfer Doc	0017842052
Record Updated	Jun 8, 2026

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY FL
Property Address	3485 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5812
Document Number	0042930176
Instrument Date	Mar 25, 2020
Transaction Type	Mortgage
Record Updated	Apr 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3485 RUSTIC OAK TRL MIDDLEBURG FL 320685812, MIDDLEBURG, FL 32068-5812

Mortgage

Document Number	0042930176
Date	Mar 27, 2020
Book Page	004293/000176
Instrument	16281

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43219-6009

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2050

Interest

Rate	3.75%

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	$997.00 (-19.34%) Homeowner's exemption	$105,523 (+5.99%)	$233,746 (+3.83%) Land $47,250 Building $186,496
2023	$1,236.00 (+14.44%) Homeowner's exemption	$99,564 (+3%)	$225,121 (+19.47%) Land $47,250 Building $177,871
2022	$1,080.00 Homeowner's exemption	$96,665	$188,430 Land $31,500 Building $156,930

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 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.08% 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 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.

Nearby Properties on Rustic Oak Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures