Clay County property record for 3965 Main St, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 792 sqft · built 1962 |
| Lot Size | 0.476 acres (20,778 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $961 (2025) |
| Deeds & Mortgages | Jan 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-05-24-021372-000-00 |
| Primary APN | 14-05-24-021372-000-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 792 sqft Heated Area |
| Gross Area | 1,008 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1962 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 20,778 sqft (0.476 acres) |
| Lot Dimensions | 208 ft deep x 100 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 216 sqft |
| Deck Area | 206 sqft |
| Storage Building | 240 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Street Address | 3965 MAIN ST |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-5149 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | A LOT BOUND ON N BY MAIN ST EBY CHESSERS LOT & W BY HOUGHTONS LOT MIDDLEBURG AS REC O R 1 |
| Legal Range | 24 |
| Legal Township | 05 |
| Legal Section | 14 |
| Legal Lot Number | BOUND |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 30103 |
3965 Main St is owned by an individual who acquired it in January 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 | 3934 MAIN ST, MIDDLEBURG, FL 32068-5148 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 18, 2022 |
| Transfer Doc | 0045601367 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jan 18, 2022 |
| Property Address | 3965 MAIN ST, MIDDLEBURG, FL 32068-5149 |
| Document Number | 0045601367 |
| Book / Page | 4560 / 1367 |
| Instrument Date | Sep 18, 2021 |
| Instrument | 2022004006 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3934 MAIN ST, 3934, MIDDLEBURG, FL 32068-5148 |
| Name | Verified Name |
|---|---|
| Address | 3934 MAIN ST, MIDDLEBURG, FL 32068-5148 |
The 2025 property tax bill for 3965 Main St was $961.
Source: Clay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $961.00 | $63,017 Land $16,000 Building $47,017 | $63,017 Land $16,000 Building $47,017 |
| 2023 | $1,194.00 (+21.1%) | $60,917 (+15.33%) Land $16,000 Building $44,917 | $60,917 (+15.33%) Land $16,000 Building $44,917 |
| 2022 | $986.00 | $52,819 Land $16,000 Building $36,819 | $52,819 Land $16,000 Building $36,819 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3965 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
|
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 risk around 3965 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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