Clay County property record for 5340 Otter Ln, Middleburg, FL 32068
| Property Type | Mobile Home |
|---|---|
| Details | 4 bd · 2 ba · 1,800 sqft · built 1999 |
| Lot Size | 5.79 acres (252,212 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $220,000 (Sep 2021) |
| Tax Bill | $1,183 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage May 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-05-23-000560-003-00 |
| Primary APN | 13-05-23-000560-003-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,800 sqft Heated Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 252,212 sqft (5.79 acres) |
| Deck Area | 27 sqft |
| Storage Building | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Sewer | Septic |
| Street Address | 5340 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 LOT 8 SPENCERTRAILS UNREC AS REC O R 4503PG 522 |
| Legal Range | 23 |
| Legal Township | 05 |
| Legal Section | 13 |
| Legal Subdivision | SPENCER TRAILS |
| Legal Lot Number | 8 |
| 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 January 5, 2026
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 | 5340 OTTER LN, MIDDLEBURG, FL 32068-4422 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage THE HOME LOAN EXPERT LLC |
| May 12, 2021 | Special Warranty Deed, Transfer SHORE TO SHORE TITLE INC, SHORE TO SHORE TITLE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2021 · Amount on Record |
| Deed Sale | Sep 1, 2021 · Amount on Record |
| Prior Sale | May 12, 2021 · Amount on Record |
| Deed Document Number | 2021054864 |
| Deed Book / Page | 4503 / 522 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Sep 1, 2021 |
| Property Address | 5340 OTTER LN, MIDDLEBURG, FL 32068-4422 |
| Document Number | 0045030522 |
| Book / Page | 4503 / 522 |
| Instrument Date | Aug 17, 2021 |
| Instrument | 2021054864 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,540.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1849 HEARTPINE DR, 1849, MIDDLEBURG, FL 32068-3451 |
| Name | Verified Name |
|---|---|
| Address | 5340 OTTER LN, MIDDLEBURG, FL 32068-4422 |
| Document Number | 4503524 |
|---|---|
| Date | Sep 1, 2021 |
| Instrument | 4503/524 |
| Name | THE HOME LOAN EXPERT LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | May 12, 2021 |
| Property Address | 5340 OTTER LN, MIDDLEBURG, FL 32068-4422 |
| Document Number | 0044551182 |
| Book / Page | 4455 / 1182 |
| Instrument Date | May 11, 2021 |
| Instrument | 2021029466 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2021 |
| Title Company | SHORE TO SHORE TITLE INC, SHORE TO SHORE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $703.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 55 BEATTIE PL STE 110, 55, GREENVILLE, SC 29601-5115 |
| Name | Verified Name |
|---|---|
| Address | 1849 HEARTPINE DR, MIDDLEBURG, FL 32068-3451 |
Source: Clay County assessment roll, as of July 1, 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 | $1,183.00 (-16.16%) Homeowner's exemption | $117,735 (+5.99%) | $266,039 (+47.46%) Land $97,324 Building $168,715 |
| 2023 | $1,411.00 (-47.23%) Homeowner's exemption | $111,085 (-31.39%) | $180,415 (+11.43%) Land $36,258 Building $144,157 |
| 2022 | $2,674.00 | $161,909 Land $36,258 Building $125,651 | $161,909 Land $36,258 Building $125,651 |
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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