Clay County property record for 4840 Peppergrass St, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,341 sqft · built 2020 |
| Lot Size | 1.13 acres (49,484 sqft) |
| Owner | Individual Name on File |
| Last Sale | $199,990 (Jul 2020) |
| Tax Bill | $2,600 (2025) |
| Deeds & Mortgages | Jul 2020 Sale & Mortgage Aug 2019 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-05-24-005954-345-00 |
| Primary APN | 16-05-24-005954-345-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,341 sqft Heated Area |
| Gross Area | 1,984 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Logs |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 49,484 sqft (1.13 acres) |
| Lot Dimensions | 300 ft deep x 165 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 4840 PEPPERGRASS ST |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-5266 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 10 BLK 67 JACKSONVILLE SOUNIT 2 AS REC O R 4327 PG 619 |
| Legal Range | 24 |
| Legal Township | 05 |
| Legal Section | 17 |
| Legal Subdivision | JACKSONVILLE |
| Legal Block | 67 |
| Legal Lot Number | 10 |
| Legal Unit | 2 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 30106 |
4840 Peppergrass St is owned and occupied by an individual who bought it in July 2020.
Source: Clay County records, as of December 18, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 4840 PEPPERGRASS ST, MIDDLEBURG, FL 32068-5266 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 9, 2020 | Special Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC |
| Aug 23, 2019 | Loan Modification, Mortgage AMERIS BK |
| Apr 22, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 9, 2020 · Amount on File |
| Deed Sale | Jul 9, 2020 · Amount on File |
| Prior Sale | Apr 22, 2019 · Amount on File |
| Deed Document Number | 2020033935 |
| Deed Book / Page | 4327 / 619 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jul 9, 2020 |
| Property Address | 4840 PEPPERGRASS ST, MIDDLEBURG, FL 32068-5266 |
| Document Number | 0043270619 |
| Book / Page | 4327 / 619 |
| Map Reference | MB 11 PG 1-13 |
| Instrument Date | Jun 30, 2020 |
| Instrument | 2020033935 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2022 |
| Title Company | SHEFFIELD & BOATRIGHT TTL SV |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX NOX, JACKSONVILLE, FL 32260 |
| Name | Verified Name |
|---|---|
| Address | 4840 PEPPEGRASS ST, MIDDLEBURG, FL 32068-5266 |
| Investor | Possibly a Property Investor |
| Document Number | 0004327621 |
|---|---|
| Date | Jul 9, 2020 |
| Instrument | 4327/621 |
| Name | HOMEOWNERS FINANCIAL GROUP USA LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 4840 PEPPERGRASS ST, MIDDLEBURG, FL 32068-5266 |
| Document Number | 0042640485 |
| Instrument Date | Aug 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 600848 JACKSONVILLE FL 322600848, JACKSONVILLE, FL 32260-0848 |
| Document Number | 0042640485 |
|---|---|
| Date | Dec 27, 2019 |
| Book Page | 004264/000485 |
| Instrument | 68364 |
| Name | AMERIS BK |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32256 |
| Amount | Amount on Record |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Apr 22, 2019 |
| Property Address | 4840 PEPPERGRASS ST, MIDDLEBURG, FL 32068-5266 |
| Document Number | 0041840422 |
| Book / Page | 004184 / 000422 |
| Instrument Date | Apr 16, 2019 |
| Instrument | 20200 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $116.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 12330 MANDARIN MEADOWS DR E JACKSONVILLE FL 322232631, JACKSONVILLE, FL 32223-2631 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 4840 Peppergrass St was $2,600 with a homeowner's exemption.
Source: Clay County assessment roll, as of July 1, 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 | $2,600.00 Homeowner's exemption | $210,628 | $268,277 Land $34,000 Building $234,277 |
| 2023 | $2,742.00 (+7.7%) Homeowner's exemption | $198,731 (+3%) | $251,526 (+12.1%) Land $30,000 Building $221,526 |
| 2022 | $2,546.00 Homeowner's exemption | $192,943 | $224,381 Land $25,000 Building $199,381 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4840 Peppergrass St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 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 4840 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 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 87 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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