Clay County property record for 3793 Forest Dr, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4 ba · 3,196 sqft · built 1977 |
| Lot Size | 0.342 acres (14,897 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,399 (2025) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage Oct 2017 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 13-05-24-006266-000-00 |
| Primary APN | 13-05-24-006266-000-00 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 3,196 sqft Living Area |
| Gross Area | 5,068 sqft |
| 1st Floor Area | 2,188 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 14,897 sqft (0.342 acres) |
| Lot Dimensions | 149 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 696 sqft |
| Porch | Enclosed/Finished Porch |
|---|---|
| Porch Area | 324 sqft |
| Deck Area | 320 sqft |
| Boat Access | Boat Access |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3793 FOREST DR |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-5113 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR-2 |
| Legal Description | LOT 21 BLACK CREEK FOREST AS REC OR 1049 PG 242 |
| Legal Range | 24E |
| Legal Township | 05S |
| Legal Section | 13 |
| Legal Subdivision | BLACK CREEK FOREST |
| Legal Lot Number | 21 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 30103 |
Source: Clay County records, as of July 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3793 FOREST DR, MIDDLEBURG, FL 32068-5113 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 23, 2026 | Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC |
| Oct 9, 2017 | Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Mar 23, 2026 |
| Property Address | 3793 FOREST DR, MIDDLEBURG, FL 32068-5113 |
| Document Number | 0050261452 |
| Book / Page | 5026 / 1452 |
| Map Reference | MB 5 PG 20&21 |
| Instrument Date | Mar 13, 2026 |
| Instrument | 2026013518 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2026 |
| Title Company | HOLDEN TITLE AND ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,758.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 411 WALNUT STREET #2459124591, 2459124591, PANAMA CITY, FL 32403 |
| Name | Verified Name |
|---|---|
| Address | 3793 FOREST DR, MIDDLEBURG, FL 32068-5113 |
| Document Number | 0050261454 |
|---|---|
| Date | Mar 23, 2026 |
| Instrument | 5026/1454 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 3793 FOREST DR, MIDDLEBURG, FL 32068-5113 |
| Document Number | 0040420525 |
| Book / Page | 004042 / 000525 |
| Instrument Date | Oct 9, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3793 FOREST DR MIDDLEBURG FL 320685113, MIDDLEBURG, FL 32068-5113 |
| Document Number | 0040420525 |
|---|---|
| Date | Dec 27, 2017 |
| Book Page | 004042/000525 |
| Instrument | 65569 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 26, 2032 |
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 | $1,399.00 (+5.27%) Homeowner's exemption | $131,876 (+5.99%) | $319,427 (+47.23%) Land $152,820 Building $166,607 |
| 2024 | $1,329.00 (-17.66%) | ||
| 2023 | $1,614.00 (+11.46%) Homeowner's exemption | $124,428 (+3%) | $216,955 (+20.48%) Land $89,145 Building $127,810 |
| 2022 | $1,448.00 Homeowner's exemption | $120,804 | $180,075 Land $59,430 Building $120,645 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 77 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 77 in force |
| Nearby Flood Claims | 199 (1983–2023) |
| Claims Outside the SFHA | 17 of 199 |
| Most Recent Claim | Dec 2023 · river or lake flooding |
| Claims by Event |
|
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 50% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 61 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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