Clay County property record for 3491 Rustic Oak Trl, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,500 sqft · built 2008 |
| Lot Size | 1.33 acres (57,935 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $70,000 (Oct 2007) |
| Tax Bill | $1,639 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-05-25-010084-002-12 |
| Primary APN | 19-05-25-010084-002-12 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,500 sqft Living Area |
| Gross Area | 2,174 sqft |
| 1st Floor Area | 1,500 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Logs |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 57,935 sqft (1.33 acres) |
| Lot Dimensions | 298 ft deep x 194 ft wide |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Pool Area | 200 sqft |
|---|---|
| Porch | Finished Screened Porch |
| Porch Area | 220 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3491 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 9 RUSTIC OAKS AS REC OR 2959 PG 231 |
| Legal Range | 25E |
| Legal Township | 05S |
| Legal Section | 19 |
| Legal Subdivision | RUSTIC OAKS |
| Legal Lot Number | 9 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | PENNEY FARMS |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 31203 |
Source: Clay County records, as of December 3, 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 |
|---|---|
| Mailing Address | 3491 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5812 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 26, 2007 · Amount on Record |
| Deed Sale | Oct 26, 2007 · Amount on Record |
| Prior Sale | Aug 27, 2003 |
| Deed Document Number | 200764118 |
| Deed Book / Page | 2959 / 231 |
| Prior Transfer Date | Mar 4, 2002 |
| Prior Transfer Doc | 0022540511 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 3491 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5812 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0043330162 |
|---|---|
| Date | Jul 24, 2020 |
| Book Page | 4333/162 |
| Instrument | 2020036953 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2035 |
Source: Clay County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,639.00 (+5.13%) Homeowner's exemption | $147,627 (+5.99%) | $340,222 (+3.76%) Land $59,850 Building $280,372 |
| 2024 | $1,559.00 (-15.23%) | ||
| 2023 | $1,839.00 (+10.32%) Homeowner's exemption | $139,289 (+3%) | $327,903 (+19.02%) Land $59,850 Building $268,053 |
| 2022 | $1,667.00 Homeowner's exemption | $135,233 | $275,495 Land $39,900 Building $235,595 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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