Clay County property record for 5322 Otter Ln, Middleburg, FL 32068
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,851 sqft · built 1996 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,235 (2025) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Jun 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-05-23-000560-003-06 |
| Primary APN | 13-05-23-000560-003-06 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,851 sqft Living Area |
| 1st Floor Area | 1,851 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 65,340 sqft (1.5 acres) |
| Porch | Finished/Open Porch |
| Porch Area | 120 sqft |
| Storage Building | 800 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Street Address | 5322 OTTER LN |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-4422 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | AG |
| Legal Description | PT OF E1/2 A/K/A PT OF PRCL 6SPENCER TRAILS@ AS REC OR 4796 PG 871 |
| Legal Range | 23E |
| Legal Township | 05S |
| Legal Section | 13 |
| Legal Subdivision | SPENCER TRAILS UNREC |
| 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 October 15, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5322 OTTER LN, MIDDLEBURG, FL 32068-4422 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 20, 2024 | Special Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 1, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage PROFIT SHARING PLAN AND TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 20, 2024 |
| Deed Sale | Feb 20, 2024 |
| Prior Sale | Sep 21, 2005 · Amount on Record |
| Deed Document Number | 20247845 |
| Deed Book / Page | 4796 / 871 |
| Prior Transfer Date | Jun 24, 2004 |
| Prior Transfer Doc | 0000061478 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Feb 20, 2024 |
| Property Address | 5322 OTTER LN, MIDDLEBURG, FL 32068-4422 |
| Document Number | 0047960871 |
| Book / Page | 4796 / 871 |
| Instrument Date | Feb 16, 2024 |
| Instrument | 2024007845 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2024 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,820.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4150 OLD JENNINGS RD, MIDDLEBURG, FL 32068-3743 |
| Name | Verified Name |
|---|---|
| Address | 5322 OTTER LN, MIDDLEBURG, FL 32068-4422 |
| Document Number | 0047960873 |
|---|---|
| Date | Feb 20, 2024 |
| Book Page | 4796/873 |
| Instrument | 2024007846 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jun 1, 2023 |
| Property Address | 5322 OTTER LN, MIDDLEBURG, FL 32068-4422 |
| Document Number | 0047250735 |
| Book / Page | 4725 / 735 |
| Instrument Date | May 30, 2023 |
| Instrument | 2023027104 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2023 |
| Title Company | SUNSHINE TITLE CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,050.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2864 FISHER CIR, MIDDLEBURG, FL 32068-6224 |
| Name | Verified Name |
|---|---|
| Address | 4150 OLD JENNINGS RD, MIDDLEBURG, FL 32068-3743 |
| Document Number | 0004725737 |
|---|---|
| Date | Jun 1, 2023 |
| Instrument | 4725/737 |
| Name | PROFIT SHARING PLAN AND TRUST |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jun 1, 2024 |
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 | $3,235.00 (+21.39%) | $212,128 (+25.9%) Land $75,000 Building $137,128 | $212,128 (+25.9%) Land $75,000 Building $137,128 |
| 2023 | $2,665.00 (+14.82%) | $168,491 (+12.51%) Land $45,000 Building $123,491 | $168,491 (+12.51%) Land $45,000 Building $123,491 |
| 2022 | $2,321.00 | $149,752 Land $37,500 Building $112,252 | $149,752 Land $37,500 Building $112,252 |
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 65% of the US · above 42% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Fiber | 2,000 / 2,000 |
| Starlink Satellite | 280 / 30 |
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