3977 Thunder Heights Ln, Middleburg, FL 32068 Property Records

Clay County property record for 3977 Thunder Heights Ln, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,783 sqft · built 2006
Lot Size	2.29 acres (99,752 sqft)
Owner	2 Individual Names on Record
Last Sale	$20,000 (Sep 2001)
Tax Bill	$4,846 (2025)
Deeds & Mortgages	Jun 2023 Transfer Mar 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-06-24-006798-006-00`

Property Details

APN / Parcel Number

Primary APN	`01-06-24-006798-006-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,783 sqft Living Area
Gross Area	2,570 sqft
1st Floor Area	1,783 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	99,752 sqft (2.29 acres)
Garage Type	Attached
Garage Area	484 sqft
Porch	Finished Screened Porch
Porch Area	365 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3977 THUNDER HEIGHTS LN
City	MIDDLEBURG
State	FL
Zip	32068-7362
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE1/4 OF NE1/4 S1T6R24 AS REC OR 4882 PG 440
Legal Range	24E
Legal Township	06S
Legal Section	01
Jurisdiction	CLAY FL
Township / Civil Division	PENNEY FARMS
Census Block Group	1
Census Block	1040
Census Tract	31201

Owner

Source: Clay County records, as of March 6, 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	3977 THUNDER HEIGHTS LN, MIDDLEBURG, FL 32068-7362
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Mar 8, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Mar 8, 2018	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2001 · Amount on Record
Deed Sale	Sep 26, 2001 · Amount on Record
Deed Document Number	200145348
Deed Book / Page	1978 / 1358
Last Transfer Date	May 31, 2023
Transfer Doc	0047242062
Record Updated	Jun 8, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY FL
Recording Date	Jun 1, 2023
Property Address	3977 THUNDER HEIGHTS LN, MIDDLEBURG, FL 32068-7362
Document Number	0047242062
Book / Page	4724 / 2062
Instrument Date	May 31, 2023
Instrument	2023026805
Transaction Type	Transfer
Record Updated	Jun 28, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3977 THUNDER HEIGHTS LN, MIDDLEBURG, FL 32068-7362

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3977 THUNDER HEIGHTS LN, MIDDLEBURG, FL 32068-7362

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3977 THUNDER HEIGHTS LN, MIDDLEBURG, FL 32068-7362
Document Number	0040631207
Instrument Date	Mar 8, 2018
Transaction Type	Mortgage
Record Updated	Mar 23, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3977 THUNDER HEIGHTS LN MIDDLEBURG FL 320687362, MIDDLEBURG, FL 32068-7362

Mortgage

Document Number	0040631207
Date	Mar 14, 2018
Book Page	004063/001207
Instrument	12821

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	876 Months
Due	Mar 13, 2091

Interest

Rate Type	Adjustable Rate
Rate	4.35%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	3977 THUNDER HEIGHTS LN, MIDDLEBURG, FL 32068-7362
Document Number	0040631193
Instrument Date	Mar 8, 2018
Transaction Type	Mortgage
Record Updated	Mar 23, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3977 THUNDER HEIGHTS LN MIDDLEBURG FL 320687362, MIDDLEBURG, FL 32068-7362

Mortgage

Document Number	0040631193
Date	Mar 14, 2018
Book Page	004063/001193
Instrument	12820

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	876 Months
Due	Mar 13, 2091

Interest

Rate Type	Adjustable Rate
Rate	4.35%

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	$4,846.00 (+189.49%)	$367,914 (+104.42%) Land $57,250 Building $310,664	$367,914 (-0.02%) Land $57,250 Building $310,664
2024	$1,674.00 (-14.2%)
2023	$1,951.00 (+6.55%) Homeowner's exemption Disabled Person's exemption Additional exemption filed	$179,982 (+3%)	$367,979 (+24.92%) Land $57,250 Building $310,729
2022	$1,831.00 Homeowner's exemption Disabled Person's exemption Additional exemption filed	$174,740	$294,567 Land $41,220 Building $253,347

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 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 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 57 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 DSL · Fiber, Fixed Wireless in parts of the area	100 / 20
T-Mobile Fixed Wireless	25 / 3

May also be available: Xfinity.

Nearby Properties on Thunder Heights Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures