Clay County property record for 900 Raindrop Ln, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,919 sqft · built 2009 |
| Lot Size | 0.199 acres (8,679 sqft) |
| Owner | Individual Name on File |
| Last Sale | $260,000 (Dec 2013) |
| Tax Bill | $3,142 (2025) |
| Deeds & Mortgages | Dec 2022 Mortgage Jan 2019 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-04-24-005574-000-83 |
| Primary APN | 24-04-24-005574-000-83 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,919 sqft Living Area |
| Gross Area | 3,180 sqft |
| 1st Floor Area | 1,829 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 8,679 sqft (0.199 acres) |
| Garage Area | 474 sqft |
| Porch | Patio |
| Porch Area | 364 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 900 RAINDROP LN |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-9055 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MPC |
| Legal Description | LOT 83 TWO CREEKS AS REC OR 3607 PG 380 |
| Legal Range | 24E |
| Legal Township | 04S |
| Legal Section | 24 |
| Legal Subdivision | TWO CREEKS |
| Legal Lot Number | 83 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 30204 |
900 Raindrop Ln is owned and occupied by an individual who bought it in December 2013.
Source: Clay County records, as of August 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 900 RAINDROP LN, MIDDLEBURG, FL 32068-9055 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 21, 2022 | Deed of Trust, Mortgage · VA Mortgage DEPARTMENT OF VETERANS AFFAIRS |
| Jan 29, 2019 | Loan Modification, Mortgage · Conventional with PMI FREEDOM MTG |
| Jan 25, 2017 | Loan Modification, Mortgage · Conventional with PMI FREEDOM MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 31, 2013 · Amount on File |
| Deed Sale | Dec 31, 2013 · Amount on File |
| Prior Sale | Dec 19, 2008 · Amount on File |
| Deed Document Number | 201374215 |
| Deed Book / Page | 3607 / 380 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 900 RAINDROP LN, MIDDLEBURG, FL 32068-9055 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2023 |
| Name | Verified Name |
|---|---|
| Address | 900 RAINDROP LN, MIDDLEBURG, FL 32068-9055 |
| Document Number | 0046761673 |
|---|---|
| Date | Dec 21, 2022 |
| Book Page | 4676/1673 |
| Instrument | 2022073428 |
| Name | DEPARTMENT OF VETERANS AFFAIRS |
|---|---|
| Type | Government Agency |
| Address | NASHVILLE, TN 37203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 339 Months |
| Due | Mar 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 900 RAINDROP LN, MIDDLEBURG, FL 32068-9055 |
| Document Number | 0041691888 |
| Instrument Date | Jan 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 900 RAINDROP LN MIDDLEBURG FL 320689055, MIDDLEBURG, FL 32068-9055 |
| Document Number | 0041691888 |
|---|---|
| Date | Mar 4, 2019 |
| Book Page | 004169/001888 |
| Instrument | 10978 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | FISHERS, IN 46037 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 3, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 900 RAINDROP LN, MIDDLEBURG, FL 32068-9055 |
| Document Number | 0039450919 |
| Book / Page | 003945 / 000919 |
| Instrument Date | Jan 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 900 RAINDROP LN MIDDLEBURG FL 320689055, MIDDLEBURG, FL 32068-9055 |
| Document Number | 0039450919 |
|---|---|
| Date | Feb 17, 2017 |
| Book Page | 003945/000919 |
| Instrument | 8543 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | FISHERS, IN 46037 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 16, 2047 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 900 Raindrop Ln was $3,142 with a homeowner's exemption.
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 | $3,142.00 Homeowner's exemption | $246,199 | $413,455 Land $60,000 Building $353,455 |
| 2023 | $5,857.00 (+5.82%) Homeowner's exemption | $232,293 (+3%) | $418,878 (+10.02%) Land $60,000 Building $358,878 |
| 2022 | $5,535.00 Homeowner's exemption | $225,528 | $380,740 Land $45,000 Building $335,740 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 900 Raindrop Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File median of 52 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 52 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.
Wildfire risk around 900 Raindrop Ln is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ORANGE PARK GRID private · serves 127,904 people · EPA ID FL2100741 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 202 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 |
| Verizon Fixed Wireless | 300 / 20 |
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