Clay County property record for 5329 Otter Ln, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,860 sqft · built 2007 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $175,000 (Apr 2017) |
| Deeds & Mortgages | Jun 2023 Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-05-23-000560-003-72 |
| Primary APN | 13-05-23-000560-003-72 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,860 sqft Living Area |
| 1st Floor Area | 1,860 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 43,560 sqft (1 acres) |
| Pool Area | 392 sqft |
| Deck Area | 56 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5329 OTTER LN |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-4422 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF E1/2 S13T5R23 A/K/A PT OF LOTS 13 & 14 SPENCER TRAILS AS REC OR 3965 PG 2147 |
| Legal Range | 23E |
| Legal Township | 05S |
| Legal Section | 13 |
| Legal Subdivision | SPENCER TRAILS |
| Legal Lot Number | 13,14 |
| 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 December 3, 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 | 5329 OTTER LN, MIDDLEBURG, FL 32068-4422 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 26, 2023 | Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC |
| Apr 9, 2020 | Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC |
| Apr 25, 2017 | Warranty Deed, Transfer NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 25, 2017 · Amount on Record |
| Deed Sale | Apr 25, 2017 · Amount on Record |
| Prior Sale | Mar 12, 2008 · Amount on Record |
| Deed Document Number | 201720601 |
| Deed Book / Page | 3965 / 2147 |
| Prior Transfer Date | May 8, 2006 |
| Prior Transfer Doc | 0029060871 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 5329 OTTER LN, MIDDLEBURG, FL 32068-4422 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5329 OTTER LN, MIDDLEBURG, FL 32068-4422 |
| Document Number | 0047320753 |
|---|---|
| Date | Jun 26, 2023 |
| Book Page | 4732/753 |
| Instrument | 2023031482 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 5329 OTTER LN, MIDDLEBURG, FL 32068-4422 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0042970259 |
|---|---|
| Date | Apr 9, 2020 |
| Book Page | 4297/259 |
| Instrument | 2020018393 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Apr 25, 2017 |
| Property Address | 5329 OTTER LN, MIDDLEBURG, FL 32068-4422 |
| Document Number | 0039652147 |
| Book / Page | 003965 / 002147 |
| Instrument Date | Mar 17, 2017 |
| Instrument | 20601 |
| Transaction Type | Transfer |
| Record Updated | May 31, 2017 |
| Title Company | ESTATE TITLE, ESTATE TITLE & TRUST |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,225.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5329 OTTER LN MIDDLEBURG FL 320684422, MIDDLEBURG, FL 32068-4422 |
| Document Number | 39652149 |
|---|---|
| Date | Apr 25, 2017 |
| Book Page | 003965/002149 |
| Instrument | 20602 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 24, 2047 |
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 | Veteran's exemption | $173,002 (+5.99%) | $270,120 (+11.47%) Land $50,000 Building $220,120 |
| 2023 | Disabled Person's exemption Veteran's exemption | $163,231 | $242,334 Land $30,000 Building $212,334 |
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 53% of the US · lower than 75% 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 35 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber | 2,000 / 2,000 |
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