Clay County property record for 4598 Peppergrass St, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,680 sqft · built 1996 |
| Lot Size | 1.13 acres (49,484 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $399,000 (Nov 2025) |
| Tax Bill | $4,246 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Apr 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-05-24-005954-502-00 |
| Primary APN | 16-05-24-005954-502-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 2 Rooms |
| Stories | 2 Stories |
| Building Area | 1,680 sqft Living Area |
| Gross Area | 1,872 sqft |
| 1st Floor Area | 864 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 49,484 sqft (1.13 acres) |
| Lot Dimensions | 300 ft deep x 165 ft wide |
| Garage Area | 1,192 sqft |
| Porch | Finished Screened Porch |
|---|---|
| Porch Area | 336 sqft |
| Deck Area | 64 sqft |
| Balcony Area | 138 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4598 PEPPERGRASS ST |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-5260 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 33 BLK 75 JACKSONVILLE SOUTH UNIT 2 AS REC OR 1582 PG 548;1864 PG 2121 & 3378 PG 732 |
| Legal Range | 24E |
| Legal Township | 05S |
| Legal Section | 16 |
| Legal Subdivision | JACKSONVILLE SOUTH UNIT 2 |
| Legal Block | 75 |
| Legal Lot Number | 33 |
| Legal Unit | 2 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 30106 |
4598 Peppergrass St is owned and occupied by two individuals who bought it in November 2025.
Source: Clay County records, as of December 3, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4598 PEPPERGRASS ST, MIDDLEBURG, FL 32068-5260 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Feb 23, 2024 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Apr 23, 2025 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Nov 6, 2025 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 6, 2025 · Amount on File |
| Deed Sale | Nov 6, 2025 · Amount on File |
| Prior Sale | May 31, 2000 · Amount on File |
| Deed Document Number | 202552541 |
| Deed Book / Page | 4985 / 1039 |
| Prior Transfer Date | Nov 4, 2025 |
| Prior Transfer Doc | 0049851039 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 4598 PEPPERGRASS ST, MIDDLEBURG, FL 32068-5260 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4598 PEPPERGRASS ST, MIDDLEBURG, FL 32068-5260 |
| Document Number | 0047971313 |
|---|---|
| Date | Feb 23, 2024 |
| Book Page | 4797/1313 |
| Instrument | 2024008586 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 4598 PEPPERGRASS ST, MIDDLEBURG, FL 32068-5260 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 4598 PEPPERGRASS ST, MIDDLEBURG, FL 32068-5260 |
| Document Number | 0049230047 |
|---|---|
| Date | Apr 23, 2025 |
| Book Page | 4923/47 |
| Instrument | 2025018203 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 347 Months |
| Due | Mar 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Nov 6, 2025 |
| Property Address | 4598 PEPPERGRASS ST, MIDDLEBURG, FL 32068-5260 |
| Document Number | 0049851039 |
| Book / Page | 4985 / 1039 |
| Map Reference | MB 11 PG 1-13 |
| Instrument Date | Oct 31, 2025 |
| Instrument | 2025052541 |
| Transaction Type | Transfer |
| Record Updated | Dec 2, 2025 |
| Title Company | UNKNOWN, FLORIDA CLOSING COMPANY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,793.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1074 KINGS ESTATE RD, SAINT AUGUSTINE, FL 32086-5351 |
| Name | Verified Name |
|---|---|
| Address | 4598 PEPPERGRASS ST, MIDDLEBURG, FL 32068-5260 |
| Document Number | 0049851042 |
|---|---|
| Date | Nov 6, 2025 |
| Instrument | 4985/1042 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
The 2025 property tax bill for 4598 Peppergrass St was $4,246, up 4.4% from the year before.
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 | $4,246.00 (+4.4%) | $278,425 Land $34,000 Building $244,425 | $278,425 Land $34,000 Building $244,425 |
| 2024 | $4,067.00 (+134.27%) | ||
| 2023 | $1,736.00 (+10.78%) Homeowner's exemption | $132,499 (+3%) | $262,610 (+10.22%) Land $30,000 Building $232,610 |
| 2022 | $1,567.00 Homeowner's exemption | $128,640 | $238,251 Land $25,000 Building $213,251 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 4598 Peppergrass St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
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 File median of 27 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 27 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 4598 Peppergrass St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 106 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 |
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