3843 Forest Dr, Middleburg, FL 32068 Property Records

Clay County property record for 3843 Forest Dr, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,222 sqft · built 2007
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Jun 2014)
Tax Bill	$2,992 (2025)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`13-05-24-006255-000-00`

Property Details

APN / Parcel Number

Primary APN	`13-05-24-006255-000-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	2,222 sqft Heated Area
Gross Area	5,044 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	266 ft deep x 102 ft wide

Exterior Amenities

Porch	Porch
Porch Area	574 sqft
Deck Area	24 sqft
Patio Area	73 sqft
Boat Access	Boat Access
Boat House	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3843 FOREST DR
City	MIDDLEBURG
State	FL
Zip	32068-5115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-2
Legal Description	LOT 7 BLACK CREEK FOREST AS REC O R 3182 PG 673 & 3650 PG 2034
Legal Range	24
Legal Township	05
Legal Section	13
Legal Subdivision	BLACK CREEK
Legal Lot Number	7
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	3
Census Block	3022
Census Tract	30103

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	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	3843 FOREST DR, MIDDLEBURG, FL 32068-5115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2014 · Amount on Record
Deed Sale	Jun 9, 2014 · Amount on Record
Prior Sale	Jul 21, 2006 · Amount on Record
Deed Document Number	0036502034
Deed Book / Page	3182 / 0673
Prior Transfer Date	Feb 12, 2010
Prior Transfer Doc	2010007121
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3843 FOREST DR, MIDDLEBURG, FL 32068-5115
Transaction Type	Mortgage
Record Updated	May 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3843 FOREST DR, MIDDLEBURG, FL 32068-5115

Mortgage

Document Number	0044550903
Date	May 12, 2021
Book Page	4455/903
Instrument	2021029400

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Mar 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	$2,992.00 (-3.55%) Homeowner's exemption Additional exemption filed	$265,797 (+5.99%)	$600,179 (+40.54%) Land $178,523 Building $421,656
2023	$3,102.00 (+7.56%) Homeowner's exemption Additional exemption filed	$250,784 (+3%)	$427,043 (+13.38%) Land $104,138 Building $322,905
2022	$2,884.00 Homeowner's exemption Additional exemption filed	$243,480	$376,649 Land $69,425 Building $307,224

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 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	Hurricane Irma, Sep 2017 · 76 claims Tropical Storm Debby, Jun 2012 · 44 claims Severe Storms, Tornadoes & Flooding, Oct 1992 · 21 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 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.08% 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 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