Clay County property record for 3809 Forest Dr, Middleburg, FL 32068 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 1,184 sqft · built 2006 |
| Lot Size | 0.308 acres (13,460 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Aug 2020) |
| Tax Bill | $3,928 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Aug 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 13-05-24-006262-000-00 |
| Primary APN | 13-05-24-006262-000-00 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,184 sqft Heated Area |
| Gross Area | 2,336 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,460 sqft (0.308 acres) |
| Lot Dimensions | 135 ft deep x 100 ft wide |
| Porch | Porch |
| Porch Area | 192 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3809 FOREST DR |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-5115 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 17 BLACK CREEK FOREST AS REC O R 4340 PG 22 |
| Legal Range | 24 |
| Legal Township | 05 |
| Legal Section | 13 |
| Legal Subdivision | BLACK CREEK |
| Legal Lot Number | 17 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 30103 |
Source: Clay County records · APN 13-05-24-006262-000-00
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Mailing Address | 3809 FOREST DR, MIDDLEBURG, FL 32068-5115 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LENDING 3 INC |
| Aug 11, 2020 | Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 11, 2020 · Amount on Record |
| Deed Sale | Aug 11, 2020 · Amount on Record |
| Deed Document Number | 2020040680 |
| Deed Book / Page | 4340 / 22 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 3809 FOREST DR, MIDDLEBURG, FL 32068-5115 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3809 FOREST DR, MIDDLEBURG, FL 32068-5115 |
| Document Number | 0045530077 |
|---|---|
| Date | Dec 30, 2021 |
| Book Page | 4553/77 |
| Instrument | 2021082376 |
| Name | LENDING 3 INC |
|---|---|
| Type | Non-Lending Institution |
| Address | FOUNTAIN VALLEY, CA 92708 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Aug 11, 2020 |
| Property Address | 3809 FOREST DR, MIDDLEBURG, FL 32068-5115 |
| Document Number | 0043400022 |
| Book / Page | 4340 / 22 |
| Map Reference | MB 5 PG 20&21 |
| Instrument Date | Aug 10, 2020 |
| Instrument | 2020040680 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2022 |
| Title Company | COMPASS CLOSINGS & TTL SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3809 FOREST DR, 3809, MIDDLEBURG, FL 32068-5115 |
| Name | Verified Name |
|---|---|
| Address | 3809 FOREST DR, MIDDLEBURG, FL 32068-5115 |
| Document Number | 0000434024 |
|---|---|
| Date | Aug 11, 2020 |
| Instrument | 4340/24 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
Source: Clay County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,928.00 (+17.22%) | $306,729 (+39.57%) Land $152,555 Building $154,174 | $306,729 (+39.57%) Land $152,555 Building $154,174 |
| 2023 | $3,351.00 (+17.13%) | $219,768 (+2%) Land $88,990 Building $130,778 | $219,768 (+2%) Land $88,990 Building $130,778 |
| 2022 | $2,861.00 | $183,136 Land $59,327 Building $123,809 | $183,136 Land $59,327 Building $123,809 |
Source: FEMA National Flood Hazard Layer, Clay County (12019C), updated July 6, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120190301033, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 77 individual NFIP policies nearby |
| 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 Storm |
|
| Wildfire Risk | Moderate above 50% of the US · above 20% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 971 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 61 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Xfinity | Cable | 1,200 / 35 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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