3972 Dowling Rd, Middleburg, FL 32068 Property Records

Clay County property record for 3972 Dowling Rd, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,908 sqft · built 1990
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$69,900 (Apr 2012)
Tax Bill	$3,422 (2025)
Deeds & Mortgages	Oct 2023 Second Mortgage Apr 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`36-05-24-006761-006-02`

Property Details

APN / Parcel Number

Primary APN	`36-05-24-006761-006-02`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,908 sqft Living Area
1st Floor Area	1,908 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	43,560 sqft (1 acres)
Garage Area	720 sqft
Pool Area	450 sqft
Porch	Finished/Open Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3972 DOWLING RD
City	MIDDLEBURG
State	FL
Zip	32068-7320
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF NE1/4 S36T5R24 AS REC OR 3401 PG 1019 & 3627 PG 843,4590 PG 1110
Legal Range	24E
Legal Township	05S
Legal Section	36
Jurisdiction	CLAY FL
Township / Civil Division	PENNEY FARMS
Census Block Group	1
Census Block	1011
Census Tract	31201

Owner

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

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	3972 DOWLING RD, MIDDLEBURG, FL 32068-7320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Apr 1, 2022	Deed of Distribution, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2012 · Amount on Record
Deed Sale	Apr 18, 2012 · Amount on Record
Prior Sale	Aug 30, 2011
Deed Document Number	201221137
Deed Book / Page	3401 / 1019
Last Transfer Date	Mar 18, 2014
Transfer Doc	0036270843
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3972 DOWLING RD, MIDDLEBURG, FL 32068-7320
Transaction Type	Mortgage
Record Updated	Nov 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3972 DOWLING RD, MIDDLEBURG, FL 32068-7320

Mortgage

Document Number	0047671514
Date	Oct 23, 2023
Book Page	4767/1514
Instrument	2023052799

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Sep 1, 2033

April 2022: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	CLAY FL
Recording Date	Apr 1, 2022
Property Address	3972 DOWLING RD, MIDDLEBURG, FL 32068-7320
Document Number	0045901110
Book / Page	4590 / 1110
Instrument Date	Mar 29, 2022
Instrument	2022020853
Transaction Type	Transfer
Record Updated	Jun 21, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	758 SAINT ANDREWS BLVD, 758, CHARLESTON, SC 29407-7169

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3972 DOWLING RD, MIDDLEBURG, FL 32068-7320

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	$3,422.00 (+7.47%)	$233,143 (+0.07%) Land $45,000 Building $188,143	$233,143 (+0.07%) Land $45,000 Building $188,143
2024	$3,184.00 (-6.33%)
2023	$3,399.00 (+20.45%)	$232,977 (+27.92%) Land $45,000 Building $187,977	$232,977 (+27.92%) Land $45,000 Building $187,977
2022	$2,822.00	$182,128 Land $30,000 Building $152,128	$182,128 Land $30,000 Building $152,128

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 74 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	74 in force
Nearby Flood Claims	31 (1992–2017)
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 19 claims Tropical Storm Debby, Jun 2012 · 2 claims Hurricane Frances, Sep 2004 · 2 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	Moderate above 58% of the US · lower than 68% of Florida
Wildfire Likelihood	0.2% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless · Fiber, DSL in parts of the area	25 / 3

May also be available: Xfinity.

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