Clay County property record for 4186 Dowling Rd, Middleburg, FL 32068
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,620 sqft · built 2002 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on File |
| Last Sale | $195,000 (Apr 2021) |
| Tax Bill | $3,023 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Apr 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 37-05-24-006766-002-07 |
| Primary APN | 37-05-24-006766-002-07 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,620 sqft Living Area |
| 1st Floor Area | 1,620 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 87,120 sqft (2 acres) |
| Deck Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Street Address | 4186 DOWLING RD |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-7338 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | PT OF SW1/4 S37T5R24 AS REC OR 4439 PG 1039 |
| Legal Range | 24E |
| Legal Township | 05S |
| Legal Section | 37 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | PENNEY FARMS |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 31201 |
4186 Dowling Rd, a mobile home, is owned and occupied by an individual who bought it in April 2021.
Source: Clay County records, as of August 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4186 DOWLING RD, MIDDLEBURG, FL 32068-7338 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 22, 2026 | Warranty Deed, Transfer · Conventional Mortgage PLANET HOME LENDING |
| Apr 6, 2021 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 6, 2021 · Amount on File |
| Deed Sale | Apr 6, 2021 · Amount on File |
| Prior Sale | Dec 28, 2006 · Amount on File |
| Deed Document Number | 202121130 |
| Deed Book / Page | 4439 / 1039 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jul 22, 2026 |
| Property Address | 4186 DOWLING RD, MIDDLEBURG, FL 32068-7338 |
| Document Number | 0000036025 |
| Book / Page | 5068 / 978 |
| Instrument Date | May 29, 2026 |
| Instrument | 202636025 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4186 DOWLING RD, MIDDLEBURG, FL 32068-7338 |
| Document Number | 0000036026, |
|---|---|
| Date | Jul 22, 2026 |
| Book Page | 5068/980 |
| Instrument | 202636026 |
| Name | PLANET HOME LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Apr 6, 2021 |
| Property Address | 4186 DOWLING RD, MIDDLEBURG, FL 32068-7338 |
| Document Number | 0044391039 |
| Book / Page | 4439 / 1039 |
| Instrument Date | Mar 25, 2021 |
| Instrument | 2021021130 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2022 |
| Title Company | WATSON TITLE SERVICES/N FL INC, WATSON TTL SVCS OF NORTH FL |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,365.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3142 THUNDER RD, 3142, MIDDLEBURG, FL 32068-7181 |
| Name | Verified Name |
|---|---|
| Address | 4186 DOWLING RD, MIDDLEBURG, FL 32068-7338 |
| Document Number | 0044391041 |
|---|---|
| Date | Apr 6, 2021 |
| Instrument | 4439/1041 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 4186 Dowling Rd was $3,023 with a homeowner's exemption.
Source: Clay County assessment roll, as of December 3, 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 | $3,023.00 Homeowner's exemption | $238,401 Land $90,000 Building $148,401 | $238,401 Land $90,000 Building $148,401 |
| 2023 | $3,249.00 (+25.15%) | $220,294 (+40.47%) Land $90,000 Building $130,294 | $220,294 (+40.47%) Land $90,000 Building $130,294 |
| 2022 | $2,596.00 | $156,825 Land $60,000 Building $96,825 | $156,825 Land $60,000 Building $96,825 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4186 Dowling Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective July 6, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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 |
|
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 4186 Dowling Rd is moderate, ranking above 59% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · lower than 67% 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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
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