Clay County property record for 3865 Eagle Rock Rd, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,323 sqft · built 2022 |
| Lot Size | 0.266 acres (11,587 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $580,545 (Nov 2022) |
| Tax Bill | $6,090 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Nov 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-04-25-007953-064-23 |
| Primary APN | 18-04-25-007953-064-23 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 3,323 sqft Living Area |
| Gross Area | 3,818 sqft |
| 1st Floor Area | 3,323 sqft |
| Flooring | Tile |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 11,587 sqft (0.266 acres) |
| Garage Type | Attached |
| Garage Area | 495 sqft |
| Porch | Finished/Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3865 EAGLE ROCK RD |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-9129 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 123 EAGLE ROCK @ EAGLE LANDING AS REC OR 4665 PG 1881 |
| Legal Range | 25E |
| Legal Township | 04S |
| Legal Section | 18 |
| Legal Subdivision | EAGLE ROCK |
| Legal Lot Number | 123 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 30205 |
Source: Clay County records · APN 18-04-25-007953-064-23
Assessment roll updated December 3, 2025 · Last verified May 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 File |
|---|---|
| Mailing Address | 3865 EAGLE ROCK RD, MIDDLEBURG, FL 32068-9129 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 02, 2026 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION |
| Nov 09, 2022 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage FIRST EQUITY MORTGAGE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 09, 2022 · Amount on Record |
| Deed Sale | Nov 09, 2022 · Amount on Record |
| Prior Sale | Jan 12, 2022 · Amount on Record |
| Deed Document Number | 202266504 |
| Deed Book / Page | 4665 / 1881 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Apr 02, 2026 |
| Property Address | 3865 EAGLE ROCK RD, MIDDLEBURG, FL 32068-9129 |
| Document Number | 0000015556 |
| Book / Page | 5030 / 638 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 202615556 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3865 EAGLE ROCK RD, MIDDLEBURG, FL 32068-9129 |
| Document Number | 0000015556, |
|---|---|
| Date | Apr 02, 2026 |
| Book Page | 5030/638 |
| Instrument | 202615556 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Nov 09, 2022 |
| Property Address | 3865 EAGLE ROCK RD, MIDDLEBURG, FL 32068-9129 |
| Document Number | 0046651881 |
| Book / Page | 4665 / 1881 |
| Map Reference | MB 63 PG 19-25 |
| Instrument Date | Nov 04, 2022 |
| Instrument | 2022066504 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 24, 2023 |
| Title Company | SHEFFIELD AND BOATRIGHT TITLE SV, SHEFFIELD & BOATRIGHT TTL SV |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,064.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9452 PHILIPS HWY, JACKSONVILLE, FL 32256-1377 |
| Name | Verified Name |
|---|---|
| Address | 3865 EAGLE ROCK RD, MIDDLEBURG, FL 32068-9129 |
| Document Number | 0046651883 |
|---|---|
| Date | Nov 09, 2022 |
| Instrument | 4665/1883 |
| Name | FIRST EQUITY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2052 |
Source: Clay County records · Assessment roll updated December 3, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,090.00 (+4.71%) Homeowner's exemption | $439,430 (+5.99%) | $556,284 (+4.82%) Land $75,000 Building $481,284 |
| 2024 | $5,816.00 (-38.34%) | ||
| 2023 | $9,432.00 (+129.21%) Homeowner's exemption | $414,608 (+729.22%) | $530,682 (+961.36%) Land $65,000 Building $465,682 |
| 2022 | $4,115.00 | $50,000 Land $50,000 | $50,000 Land $50,000 |
Source: FEMA National Flood Hazard Layer as of July 6, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 80 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 80 in force |
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 183 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ORANGE PARK GRID private · serves 127,904 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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