Clay County property record for 5265 Otter Ln, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,380 sqft · built 1995 |
| Lot Size | 4.15 acres (180,774 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $170,000 (Aug 2019) |
| Tax Bill | $1,976 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-05-23-000560-003-39 |
| Primary APN | 13-05-23-000560-003-39 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,380 sqft Living Area |
| Gross Area | 1,821 sqft |
| 1st Floor Area | 1,380 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 180,774 sqft (4.15 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 84 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5265 OTTER LN |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-4421 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | PT OF E1/2 A/K/A PRCL 39 SPENCER TRAILS@ AS REC OR 4225 PG 1857 |
| Legal Range | 23E |
| Legal Township | 05S |
| Legal Section | 13 |
| Legal Subdivision | SPENCER TRAILS |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 30105 |
Source: Clay County records, as of February 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 109 N CASTLE HEIGHTS AVE, LEBANON, TN 37087-2738 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Mar 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CAPSTAR BANK |
| Aug 27, 2019 | Warranty Deed, Transfer · Conventional Mortgage CAPSTAR BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2019 · Amount on Record |
| Deed Sale | Aug 27, 2019 · Amount on Record |
| Prior Sale | Dec 9, 2010 · Amount on Record |
| Deed Document Number | 201946105 |
| Deed Book / Page | 4225 / 1857 |
| Last Transfer Date | Sep 30, 2025 |
| Transfer Doc | 0000000246 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 5265 OTTER LN, MIDDLEBURG, FL 32068-4421 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 5265 OTTER LN, MIDDLEBURG, FL 32068-4421 |
| Document Number | 0044261786 |
|---|---|
| Date | Mar 9, 2021 |
| Book Page | 4426/1786 |
| Instrument | 2021014557 |
| Name | CAPSTAR BANK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37215 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Aug 27, 2019 |
| Property Address | 5265 OTTER LN, MIDDLEBURG, FL 32068-4421 |
| Document Number | 0042251857 |
| Book / Page | 4225 / 1857 |
| Instrument Date | Aug 23, 2019 |
| Instrument | 2019046105 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | VYSTAR TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,190.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5265 OTTER LN, 5265, MIDDLEBURG, FL 32068-4421 |
| Name | Verified Name |
|---|---|
| Address | 5265 OTTER LN, MIDDLEBURG, FL 32068-4421 |
| Document Number | 0042251858 |
|---|---|
| Date | Aug 27, 2019 |
| Instrument | 4225/1858 |
| Name | CAPSTAR BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
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 | $1,976.00 (+5.16%) Homeowner's exemption Widower's exemption | $174,718 (+5.99%) | $275,840 (+15.63%) Land $110,115 Building $165,725 |
| 2024 | $1,879.00 (-12.69%) | ||
| 2023 | $2,152.00 (+5.65%) Homeowner's exemption Widower's exemption | $164,849 (+3%) | $238,560 (+18.93%) Land $78,193 Building $160,367 |
| 2022 | $2,037.00 Homeowner's exemption Widower's exemption | $160,048 | $200,582 Land $65,719 Building $134,863 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 14 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 14 in force |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · lower than 79% 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.
Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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