Clay County property record for 4905 Peppergrass St, Middleburg, FL 32068
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,216 sqft · built 2002 |
| Lot Size | 1.91 acres (83,460 sqft) |
| Owner | Individual Name on File |
| Last Sale | $216,000 (Jul 2023) |
| Tax Bill | $1,918 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Jul 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 16-05-24-005954-767-00 |
| Primary APN | 16-05-24-005954-767-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,216 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 83,460 sqft (1.91 acres) |
| Lot Dimensions | 307 ft deep x 272 ft wide |
| Storage Building | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Sewer | Septic |
| Street Address | 4905 PEPPERGRASS ST |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-5234 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | LOT 5 BLK 84 JACKSONVILLE SOUTH UNIT 2 AS REC O R 4740 PG 519 |
| Legal Range | 24 |
| Legal Township | 05 |
| Legal Section | 17 |
| Legal Subdivision | JACKSONVILLE SOUTH |
| Legal Block | 84 |
| Legal Lot Number | 5 |
| Legal Unit | 2 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 30106 |
Source: Clay County assessment roll, APN 16-05-24-005954-767-00, as of July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4905 PEPPERGRASS ST, MIDDLEBURG, FL 32068-5234 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 13, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION |
| Jul 20, 2023 | Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jun 14, 2019 | Warranty Deed, Transfer · Construction Mortgage CAROLYN MONEYHAN |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 20, 2023 · Amount on Record |
| Deed Sale | Jul 20, 2023 · Amount on Record |
| Prior Sale | Jun 14, 2019 · Amount on Record |
| Deed Document Number | 2023036254 |
| Deed Book / Page | 4740 / 519 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 4905 PEPPERGRASS ST, MIDDLEBURG, FL 32068-5234 |
| Transaction Type | Mortgage |
| Record Updated | Dec 02, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4905 PEPPERGRASS ST, MIDDLEBURG, FL 32068-5234 |
| Document Number | 0049871029 |
|---|---|
| Date | Nov 13, 2025 |
| Book Page | 4987/1029 |
| Instrument | 2025053610 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 335 Months |
| Due | Oct 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jul 20, 2023 |
| Property Address | 4905 PEPPERGRASS ST, MIDDLEBURG, FL 32068-5234 |
| Document Number | 0047400519 |
| Book / Page | 4740 / 519 |
| Map Reference | MB 11 PG 1-13 |
| Instrument Date | Jun 30, 2023 |
| Instrument | 2023036254 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2023 |
| Title Company | LANDMARK TITLE, LANDMARK TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,512.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2789 STAGECOACH DR, ORANGE PARK, FL 32065-7426 |
| Name | Verified Name |
|---|---|
| Address | 4905 PEPPERGRASS ST, MIDDLEBURG, FL 32068-5234 |
| Document Number | 0004740521 |
|---|---|
| Date | Jul 20, 2023 |
| Instrument | 4740/521 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jun 14, 2019 |
| Property Address | 4905 PEPPERGRASS ST, MIDDLEBURG, FL 32068-5234 |
| Document Number | 0042011863 |
| Book / Page | 004201 / 001863 |
| Instrument Date | Jun 13, 2019 |
| Instrument | 30765 |
| Transaction Type | Transfer |
| Record Updated | Jul 02, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4905 PEPPERGRASS ST MIDDLEBURG FL 320685234, MIDDLEBURG, FL 32068-5234 |
| Document Number | 42011865 |
|---|---|
| Date | Jun 14, 2019 |
| Book Page | 004201/001865 |
| Instrument | 30766 |
| Name | CAROLYN MONEYHAN |
|---|---|
| Address | 2630 PEACOCK CV, MIDDLEBURG, FL 32068-5845 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6% |
|---|
Source: Clay County assessment roll as of July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,918.00 (+207.37%) Homeowner's exemption | $165,949 (+133.18%) | $167,994 (+27.99%) Land $34,000 Building $133,994 |
| 2023 | $624.00 (+25.3%) Homeowner's exemption Additional exemption filed | $71,169 (+3%) | $131,251 (+28.63%) Land $30,000 Building $101,251 |
| 2022 | $498.00 Homeowner's exemption Additional exemption filed | $69,097 | $102,038 Land $25,000 Building $77,038 |
Source: FEMA National Flood Hazard Layer, Clay County (12019C), as of July 6, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120190301062, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 Record 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 |
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, 87 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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