3492 Rustic Oak Trl, Middleburg, FL 32068 Property Records

Clay County property record for 3492 Rustic Oak Trl, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,992 sqft · built 1998
Lot Size	2.32 acres (101,494 sqft)
Owner	Individual Name on Record
Last Sale	$395,000 (Oct 2021)
Tax Bill	$4,933 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-05-25-010084-002-16`

Property Details

APN / Parcel Number

Primary APN	`19-05-25-010084-002-16`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,992 sqft Heated Area
Gross Area	3,111 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	101,494 sqft (2.32 acres)
Lot Dimensions	460 ft deep x 225 ft wide
Garage Area	500 sqft

Exterior Amenities

Porch	Porch
Porch Area	483 sqft
Deck Area	440 sqft
Patio Area	572 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3492 RUSTIC OAK TRL
City	MIDDLEBURG
State	FL
Zip	32068-5811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	LOT 13 & PT OF LOT 14 RUSTIC OAKS AS REC O R 4527 PG 1299
Legal Range	25
Legal Township	05
Legal Section	19
Legal Subdivision	RUSTIC OAKS
Legal Lot Number	13,14
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	3492 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Warranty Deed, Transfer · VA Mortgage US BANK NA
Jul 1, 2019	Warranty Deed, Transfer · VA Mortgage USAA
Oct 24, 2017	Warranty Deed, Transfer · VA Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2021 · Amount on Record
Deed Sale	Oct 27, 2021 · Amount on Record
Prior Sale	Jul 1, 2019 · Amount on Record
Deed Document Number	2021067986
Deed Book / Page	4527 / 1299
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Oct 27, 2021
Property Address	3492 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5811
Document Number	0045271299
Book / Page	4527 / 1299
Instrument Date	Oct 26, 2021
Instrument	2021067986
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	REALTY TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16211 W HIGHWAY 100, 16211, BUNNELL, FL 32110-4119

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3492 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5811

Mortgage

Document Number	45271300
Date	Oct 27, 2021
Instrument	4527/1300

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jul 1, 2019
Property Address	3492 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5811
Document Number	0042062160
Book / Page	004206 / 002160
Instrument Date	Jun 28, 2019
Instrument	34059
Transaction Type	Transfer
Record Updated	Jul 16, 2019
Title Company	REALTY TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,016.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3492 RUSTIC OAK TRL MIDDLEBURG FL 320685811, MIDDLEBURG, FL 32068-5811

Mortgage

Document Number	42062161
Date	Jul 1, 2019
Book Page	004206/002161
Instrument	34060

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2049

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Oct 24, 2017
Property Address	3492 RUSTIC OAK TRL, MIDDLEBURG, FL 32068-5811
Document Number	0040231071
Book / Page	4023 / 1071
Instrument Date	Oct 16, 2017
Instrument	2017054037
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	579 CHARLES CARROL ST, 579, ORANGE PARK, FL 32073-5040

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5170 COLLINS RD APT 1308, 1308, JACKSONVILLE, FL 32244-5349

Mortgage

Document Number	2017054038
Date	Oct 24, 2017
Instrument	2017054038

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

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	$4,933.00 (-0.02%) Homeowner's exemption	$363,598 (+5.99%)	$404,312 (+4.76%) Land $58,250 Building $346,062
2023	$4,934.00 (+8.39%) Homeowner's exemption	$343,060 (+5.62%)	$385,953 (+18.82%) Land $58,250 Building $327,703
2022	$4,552.00 Homeowner's exemption	$324,816 Land $41,940 Building $282,876	$324,816 Land $41,940 Building $282,876

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 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% 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 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000

May also be available: Verizon.

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