3965 Cloverdale Ct, Middleburg, FL 32068 Property Records

Clay County property record for 3965 Cloverdale Ct, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,735 sqft · built 2022
Lot Size	0.155 acres (6,771 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,453 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jun 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`18-04-25-007953-057-32`

Property Details

APN / Parcel Number

Primary APN	`18-04-25-007953-057-32`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,735 sqft Living Area
Gross Area	2,359 sqft
1st Floor Area	1,735 sqft
Flooring	Tile

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,771 sqft (0.155 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3965 CLOVERDALE CT
City	MIDDLEBURG
State	FL
Zip	32068-4485
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 421 GREYHAWK UNIT 3 AS REC OR 4643 PG 951
Legal Range	25E
Legal Township	04S
Legal Section	18
Legal Subdivision	GREYHAWK UNIT 3
Legal Lot Number	421
Legal Unit	3
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	2
Census Block	2030
Census Tract	30205

Owner

Source: Clay County records, as of August 20, 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 Record
Mailing Address	3965 CLOVERDALE CT, MIDDLEBURG, FL 32068-4485
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2022	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PENTAGON FCU
Jun 16, 2021	Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2022
Deed Sale	Aug 30, 2022
Prior Sale	May 10, 2022 · Amount on Record
Deed Document Number	202252505
Deed Book / Page	4643 / 951
Record Updated	Sep 20, 2026

August 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Aug 30, 2022
Property Address	3965 CLOVERDALE CT, MIDDLEBURG, FL 32068-4485
Document Number	0046430951
Book / Page	4643 / 951
Map Reference	MB 64 PG 64
Instrument Date	Aug 26, 2022
Instrument	2022052505
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 24, 2023
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,655.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9440 PHILIPS HWY STE 7, 7, JACKSONVILLE, FL 32256-1339

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3965 CLOVERDALE CT, MIDDLEBURG, FL 32068-4485

Mortgage

Document Number	0004643955
Date	Aug 30, 2022
Instrument	4643/955

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

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

June 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jun 16, 2021
Property Address	3965 CLOVERDALE CT, MIDDLEBURG, FL 32068-4485
Document Number	0044701026
Book / Page	4470 / 1026
Instrument Date	Jun 16, 2021
Instrument	2021037539
Transaction Type	Transfer
Record Updated	Jan 24, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$50,757.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7807 BAYMEADOWS RD E # E205, E205, JACKSONVILLE, FL 32256-9664

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9440 PHILIPS HWY STE 7, 7, JACKSONVILLE, FL 32256-1339
Investor	Possibly a Property Investor

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	$4,453.00 (+22.47%)	$291,978 (+6.71%) Land $60,000 Building $231,978	$291,978 (-2.17%) Land $60,000 Building $231,978
2024	$3,636.00 (-48.07%)
2023	$7,002.00 (+94.99%) Homeowner's exemption	$273,608 (+447.22%)	$298,456 (+496.91%) Land $60,000 Building $238,456
2022	$3,591.00	$50,000 Land $50,000	$50,000 Land $50,000

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 80 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	80 in force

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 52% of the US · lower than 77% of Florida
Wildfire Likelihood	0.08% 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 287 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 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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