3872 Bronco Rd, Middleburg, FL 32068 Property Records

Clay County property record for 3872 Bronco Rd, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,856 sqft · built 2018
Lot Size	0.229 acres (9,975 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,449 (2025)
Deeds & Mortgages	May 2023 Second Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-04-24-005924-007-48`

Property Details

APN / Parcel Number

Primary APN	`36-04-24-005924-007-48`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,856 sqft Living Area
Gross Area	2,276 sqft
1st Floor Area	1,856 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,975 sqft (0.229 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	20 sqft
Patio Area	70 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3872 BRONCO RD
City	MIDDLEBURG
State	FL
Zip	32068-8820
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 348 AZALEA RIDGE UNIT 4 AS REC OR 4857 PG 1387
Legal Range	24E
Legal Township	04S
Legal Section	36
Legal Subdivision	AZALEA RIDGE UNIT 4
Legal Lot Number	348
Legal Unit	4
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	2
Census Block	2009
Census Tract	30204

Owner

3872 Bronco Rd is owned by two individuals who acquired it in September 2024.

Source: Clay County records, as of December 3, 2025

Owner of Record	2 Individual Names on File
Mailing Address	10245 CLAMAGORO CIR, SAN DIEGO, CA 92124-3662
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 18, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Dec 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Sep 25, 2018	Corporation Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2024
Deed Sale	Sep 12, 2024
Prior Sale	Sep 25, 2018 · Amount on File
Deed Document Number	202442584
Deed Book / Page	4857 / 1387
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3872 BRONCO RD, MIDDLEBURG, FL 32068-8820
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3872 BRONCO RD, MIDDLEBURG, FL 32068-8820

Mortgage

Document Number	0047210728
Date	May 18, 2023
Book Page	4721/728
Instrument	2023024574

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	239 Months
Due	Apr 1, 2043

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3872 BRONCO RD, MIDDLEBURG, FL 32068-8820
Transaction Type	Mortgage
Record Updated	Dec 28, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3872 BRONCO RD, MIDDLEBURG, FL 32068-8820

Mortgage

Document Number	0045470442
Date	Dec 14, 2021
Book Page	4547/442
Instrument	2021079069

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

September 2018: Corporation Deed, Subdivision Related Transfer

Document Type	Corporation Deed
Jurisdiction	CLAY FL
Recording Date	Sep 25, 2018
Property Address	3872 BRONCO RD, MIDDLEBURG, FL 32068-8820
Document Number	0041261238
Book / Page	4126 / 1238
Map Reference	MB59 PG44-59
Instrument Date	Sep 21, 2018
Instrument	2018050498
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 21, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	3872 BRONCO RD, MIDDLEBURG, FL 32068-8820

Mortgage

Document Number	2018050499
Date	Sep 25, 2018
Instrument	2018050499

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3872 Bronco Rd was $4,449, up 69.7% from the year before.

Source: Clay County assessment roll, as of December 3, 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	$4,449.00 (+69.68%)	$291,740 Land $50,000 Building $241,740	$291,740 Land $50,000 Building $241,740
2024	$2,622.00 (-33.67%)
2023	$3,953.00 (+8.27%) Homeowner's exemption	$208,045 (+3%)	$304,526 (+8.75%) Land $50,000 Building $254,526
2022	$3,651.00 Homeowner's exemption	$201,986	$280,035 Land $40,000 Building $240,035

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3872 Bronco Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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 File median of 10 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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

Wildfire risk around 3872 Bronco Rd is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 82% 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.

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 84 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

May also be available: Verizon.

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