5049 Spearmint St, Middleburg, FL 32068 Property Records

Clay County property record for 5049 Spearmint St, Middleburg, FL 32068

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,152 sqft · built 1990
Lot Size	1.03 acres (44,953 sqft)
Owner	Individual Name on Record
Last Sale	$107,000 (May 2019)
Tax Bill	$491 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-05-24-006698-433-00`

Property Details

APN / Parcel Number

Primary APN	`32-05-24-006698-433-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,152 sqft Heated Area
Gross Area	2,122 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	44,953 sqft (1.03 acres)
Lot Dimensions	247 ft deep x 182 ft wide
Porch	Porch
Porch Area	620 sqft
Storage Building	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Septic

Location & Zoning

Street Address	5049 SPEARMINT ST
City	MIDDLEBURG
State	FL
Zip	32068-5953
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOT 59 BLK 145 BLACK CREEK PARK UNIT 1 AS REC O R 4186 PG 1921
Legal Range	24
Legal Township	05
Legal Section	32
Legal Subdivision	BLACK CREEK
Legal Block	145
Legal Lot Number	59
Legal Unit	1
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	1
Census Block	1039
Census Tract	30106

Owner

Source: Clay County records, as of December 18, 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 Record
Mailing Address	5049 SPEARMINT ST, MIDDLEBURG, FL 32068-5953
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2021	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
May 1, 2019	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2019 · Amount on Record
Deed Sale	May 1, 2019 · Amount on Record
Prior Sale	Jun 25, 2015
Deed Document Number	2019021861
Deed Book / Page	4186 / 1921
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	5049 SPEARMINT ST, MIDDLEBURG, FL 32068-5953
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5049 SPEARMINT ST, MIDDLEBURG, FL 32068-5953

Mortgage

Document Number	0044331720
Date	Mar 24, 2021
Book Page	4433/1720
Instrument	2021018157

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	May 1, 2019
Property Address	5049 SPEARMINT ST, MIDDLEBURG, FL 32068-5953
Document Number	0041861921
Book / Page	004186 / 001921
Instrument Date	Apr 30, 2019
Instrument	21861
Transaction Type	Transfer
Record Updated	May 16, 2019
Title Company	REALTY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$749.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5049 SPEARMINT ST MIDDLEBURG FL 320685953, MIDDLEBURG, FL 32068-5953

Mortgage

Document Number	41861922
Date	May 1, 2019
Book Page	004186/001922
Instrument	21862

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2049

Tax Assessment & Valuation

Source: Clay County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Clay County
Unified School District	Clay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$491.00 (-37.93%) Homeowner's exemption	$67,516 (+5.99%)	$120,624 (+14.57%) Land $28,000 Building $92,624
2023	$791.00 (+18.77%) Homeowner's exemption	$63,703 (+3%)	$105,286 (+28.32%) Land $21,500 Building $83,786
2022	$666.00 Homeowner's exemption	$61,848	$82,049 Land $16,000 Building $66,049

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 Record median of 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	5 (2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 5 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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