3520 Grayson Ln, Middleburg, FL 32068 Property Records

Clay County property record for 3520 Grayson Ln, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,499 sqft · built 2020
Lot Size	0.137 acres (6,011 sqft)
Owner	Individual Name on Record
Last Sale	$277,990 (Dec 2020)
Tax Bill	$4,066 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-04-25-007876-001-86`

Property Details

APN / Parcel Number

Primary APN	`17-04-25-007876-001-86`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,499 sqft Heated Area
Gross Area	3,043 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,011 sqft (0.137 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3520 GRAYSON LN
City	MIDDLEBURG
State	FL
Zip	32068-4182
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 86 CAMERON OAKS PHASE 1 ASREC O R 4391 PG 1236
Legal Phase	1
Legal Lot Number	86
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	1
Census Block	1003
Census Tract	30206

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
Mailing Address	3520 GRAYSON LN, MIDDLEBURG, FL 32068-4182
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2020 · Amount on Record
Deed Sale	Dec 17, 2020 · Amount on Record
Deed Document Number	2020066832
Deed Book / Page	4391 / 1236
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Dec 17, 2020
Property Address	3520 GRAYSON LN, MIDDLEBURG, FL 32068-4182
Document Number	0043911236
Book / Page	4391 / 1236
Map Reference	MB 62 PG 26-29
Instrument Date	Dec 15, 2020
Instrument	2020066832
Transaction Type	Subdivision Related Transfer
Record Updated	May 5, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,946.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4220 RACE TRACK RD # RD100, 4220, SAINT JOHNS, FL 32259-2084

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3520 GRAYSON LN, MIDDLEBURG, FL 32068-4182

Mortgage

Document Number	0043911240
Date	Dec 17, 2020
Instrument	4391/1240

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

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

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	$4,066.00 (-5.55%) Homeowner's exemption	$306,775 (+5.99%)	$371,420 (+1.45%) Land $50,000 Building $321,420
2023	$4,305.00 (+5.75%) Homeowner's exemption	$289,447 (+3%)	$366,101 (+13.43%) Land $50,000 Building $316,101
2022	$4,071.00 Homeowner's exemption	$281,017	$322,746 Land $40,000 Building $282,746

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 28 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	3 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims

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 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.1% 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 239 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20