3911 Main St, Middleburg, FL 32068 Property Records

Clay County property record for 3911 Main St, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,237 sqft · built 1960
Lot Size	0.201 acres (8,799 sqft)
Owner	Individual Name on File
Last Sale	$199,900 (Jul 2022)
Tax Bill	$1,665 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Apr 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`13-05-24-006312-000-00`

Property Details

APN / Parcel Number

Primary APN	`13-05-24-006312-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,237 sqft Heated Area
Gross Area	1,347 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Exterior Material	Asbestos
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,799 sqft (0.201 acres)
Lot Dimensions	126 ft deep x 70 ft wide

Exterior Amenities

Porch	Porch
Porch Area	110 sqft
Fence	Fence
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3911 MAIN ST
City	MIDDLEBURG
State	FL
Zip	32068-5149
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BA
Legal Description	PT GOV LOT 4 AS REC O R 4630 PG 562
Legal Range	24
Legal Township	05
Legal Section	13
Legal Lot Number	4
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	3
Census Block	3024
Census Tract	30103

Owner

3911 Main St is owned and occupied by an individual who bought it in July 2022.

Source: Clay County records, as of December 18, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3911 MAIN ST, MIDDLEBURG, FL 32068-5149
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 21, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BANK OF ENGLAND
Apr 6, 2022	Warranty Deed, Transfer AMZ TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2022 · Amount on File
Deed Sale	Jul 21, 2022 · Amount on File
Prior Sale	Apr 6, 2022 · Amount on File
Deed Document Number	2022044443
Deed Book / Page	4630 / 562
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jul 21, 2022
Property Address	3911 MAIN ST, MIDDLEBURG, FL 32068-5149
Document Number	0046300562
Book / Page	4630 / 562
Instrument Date	Jul 8, 2022
Instrument	2022044443
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 3, 2023
Title Company	LANDMARK TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,399.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13361 ATLANTIC BLVD, JACKSONVILLE, FL 32225-5569

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3911 MAIN ST, MIDDLEBURG, FL 32068-5149

Mortgage

Document Number	0004630565
Date	Jul 21, 2022
Instrument	4630/565

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

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

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Apr 6, 2022
Property Address	3911 MAIN ST, MIDDLEBURG, FL 32068-5149
Document Number	0045921925
Book / Page	4592 / 1925
Instrument Date	Apr 1, 2022
Instrument	2022022131
Transaction Type	Transfer
Record Updated	Apr 27, 2022
Title Company	AMZ TITLE LLC

Transaction

Amount	Amount on Record
Tax	$857.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2060 HARVARD ST, 2060, MIDDLEBURG, FL 32068-5120

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13245 ATLANTIC BLVD # 4-146, 4, JACKSONVILLE, FL 32225-7118
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 3911 Main St was $1,665 with a homeowner's exemption.

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	$1,665.00 Homeowner's exemption	$149,356	$151,647 Land $16,000 Building $135,647
2023	$1,884.00 (+62.55%) Homeowner's exemption	$142,203 (+117.97%) Land $16,000 Building $126,203	$142,203 (+117.97%) Land $16,000 Building $126,203
2022	$1,159.00	$65,241 Land $16,000 Building $49,241	$65,241 Land $16,000 Building $49,241

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3911 Main St in Zone X, an area of minimal flood risk, though there have been 199 flood claims nearby since 1983.

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 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

Wildfire risk around 3911 Main St is moderate, ranking above 47% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.07% 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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