Clay County property record for 4811 Peppergrass St, Middleburg, FL 32068
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,620 sqft · built 1998 |
| Lot Size | 1.17 acres (51,313 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,635 (2023) |
| Deeds & Mortgages | Oct 2021 Mortgage Sep 2020 Sale & Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 16-05-24-005954-639-00 |
| Primary APN | 16-05-24-005954-639-00 |
|---|
| 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 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 51,313 sqft (1.17 acres) |
| Lot Dimensions | 329 ft deep x 156 ft wide |
| Deck Area | 160 sqft |
| Storage Building | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Street Address | 4811 PEPPERGRASS ST |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-5238 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | LOT 6 BLK 79 JACKSONVILLE SOUTH UNIT 2 AS REC OR 4874 PG 1232 |
| Legal Range | 24E |
| Legal Township | 05S |
| Legal Section | 16 |
| Legal Subdivision | JACKSONVILLE SOUTH UNIT 2 |
| Legal Block | 79 |
| Legal Lot Number | 6 |
| Legal Unit | 2 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 30106 |
4811 Peppergrass St, a mobile home, is owned and occupied by two individuals who acquired it in November 2024.
Source: Clay County records, as of August 18, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4811 PEPPERGRASS ST, MIDDLEBURG, FL 32068-5238 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 13, 2021 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Sep 24, 2020 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 6, 2024 |
| Deed Sale | Nov 6, 2024 |
| Prior Sale | Sep 24, 2020 · Amount on File |
| Deed Document Number | 202451560 |
| Deed Book / Page | 4874 / 1232 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 4811 PEPPERGRASS ST, MIDDLEBURG, FL 32068-5238 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2021 |
| Name | Verified Name |
|---|---|
| Address | 606 BROADOAK LOOP, SANFORD, FL 32771-7104 |
| Document Number | 0045211963 |
|---|---|
| Date | Oct 13, 2021 |
| Book Page | 4521/1963 |
| Instrument | 2021064922 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 347 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Sep 24, 2020 |
| Property Address | 4811 PEPPERGRASS ST, MIDDLEBURG, FL 32068-5238 |
| Document Number | 0043570701 |
| Book / Page | 4357 / 701 |
| Map Reference | MB 11 PG 1 |
| Instrument Date | Aug 28, 2020 |
| Instrument | 2020049566 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2022 |
| Title Company | COMPASS CLOSINGS & TTL SVCS |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $980.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4811 PEPPERGRASS ST, MIDDLEBURG, FL 32068-5238 |
| Document Number | 0004357703 |
|---|---|
| Date | Sep 24, 2020 |
| Instrument | 4357/703 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
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 | $200,446 Land $34,000 Building $166,446 | $200,446 Land $34,000 Building $166,446 | |
| 2023 | $2,635.00 (+22.05%) | $178,849 (+29.45%) Land $30,000 Building $148,849 | $178,849 (+29.45%) Land $30,000 Building $148,849 |
| 2022 | $2,159.00 | $138,160 Land $25,000 Building $113,160 | $138,160 Land $25,000 Building $113,160 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4811 Peppergrass St in Zone A, 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 A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 4811 Peppergrass St is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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 99 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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