3934 Main St, Middleburg, FL 32068 Property Records

Clay County property record for 3934 Main St, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,605 sqft · built 1964
Lot Size	2.84 acres (123,710 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Apr 2020)
Tax Bill	$3,125 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-05-24-021369-000-00`

Property Details

APN / Parcel Number

Primary APN	`13-05-24-021369-000-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,605 sqft Living Area
1st Floor Area	2,605 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1976
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	123,710 sqft (2.84 acres)
Lot Dimensions	442 ft deep x 280 ft wide
Garage Area	504 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	510 sqft
Deck Area	54 sqft
Patio Area	357 sqft
Storage Building	470 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3934 MAIN ST
City	MIDDLEBURG
State	FL
Zip	32068-5148
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF GOV LOT 4 AS REC OR 4302 PG 1591
Legal Range	24E
Legal Township	05S
Legal Section	13
Legal Lot Number	4
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	3
Census Block	3028
Census Tract	30103

Owner

Source: Clay County records, as of January 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3934 MAIN ST, MIDDLEBURG, FL 32068-5148
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 28, 2020	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU
Sep 12, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 13, 2018	Quit Claim Deed, Transfer · Conventional Mortgage RP FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2020 · Amount on Record
Deed Sale	Apr 28, 2020 · Amount on Record
Prior Sale	Aug 1, 2000 · Amount on Record
Deed Document Number	202021206
Deed Book / Page	4302 / 1591
Prior Transfer Date	Sep 5, 2018
Prior Transfer Doc	0041221787
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3934 MAIN ST, MIDDLEBURG, FL 32068-5148
Transaction Type	Mortgage
Record Updated	Dec 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3934 MAIN ST, MIDDLEBURG, FL 32068-5148

Mortgage

Document Number	0045471715
Date	Dec 15, 2021
Book Page	4547/1715
Instrument	2021079436

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

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

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Apr 28, 2020
Property Address	3934 MAIN ST, MIDDLEBURG, FL 32068-5148
Document Number	0043021591
Book / Page	004302 / 001591
Instrument Date	Apr 24, 2020
Instrument	21206
Transaction Type	Transfer
Record Updated	May 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3934 MAIN ST MIDDLEBURG FL 320685148, MIDDLEBURG, FL 32068-5148

Mortgage

Document Number	43021592
Date	Apr 28, 2020
Book Page	004302/001592
Instrument	21207

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 27, 2050

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY FL
Recording Date	Sep 12, 2018
Property Address	3934 MAIN ST, MIDDLEBURG, FL 32068-5148
Document Number	0041221787
Book / Page	004122 / 001787
Instrument Date	Sep 5, 2018
Instrument	48000
Transaction Type	Transfer
Record Updated	Sep 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3934 MAIN ST MIDDLEBURG FL 320685148, MIDDLEBURG, FL 32068-5148

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY FL
Recording Date	Mar 13, 2018
Property Address	3934 MAIN ST, MIDDLEBURG, FL 32068-5148
Document Number	0040630705
Book / Page	4063 / 0705
Instrument Date	Feb 21, 2018
Instrument	2018012666
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	39324 MAIN ST, 39324, MIDDLEBURG, FL 32068

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3934 MAIN ST, MIDDLEBURG, FL 32068-5148

Mortgage

Document Number	2018012667
Date	Mar 13, 2018
Instrument	2018012667

Lender

Name	RP FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

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	$3,125.00 (+4.83%) Homeowner's exemption	$245,071 (+5.99%)	$325,443 (+5.07%) Land $56,800 Building $268,643
2024	$2,981.00 (-7.85%)
2023	$3,235.00 (+6.91%) Homeowner's exemption	$231,229 (+3%)	$309,742 (+18.41%) Land $56,800 Building $252,942
2022	$3,026.00 Homeowner's exemption	$224,495	$261,581 Land $56,800 Building $204,781

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
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	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.05% 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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