Clay County property record for 904 Raindrop Ln, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,002 sqft · built 2007 |
| Lot Size | 0.158 acres (6,909 sqft) |
| Owner | Individual Name on File |
| Last Sale | $343,000 (Jan 2025) |
| Tax Bill | $2,715 (2025) |
| Deeds & Mortgages | Jan 2023 Line of Credit Jul 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-04-24-005574-000-82 |
| Primary APN | 24-04-24-005574-000-82 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,002 sqft Heated Area |
| Gross Area | 2,679 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,909 sqft (0.158 acres) |
| Garage Area | 447 sqft |
| Porch | Porch |
| Porch Area | 230 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 904 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 82 TWO CREEKS AS REC O R 4896 PG 1571 |
| Legal Range | 24 |
| Legal Township | 04 |
| Legal Section | 24 |
| Legal Subdivision | TWO CREEKS |
| Legal Lot Number | 82 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 30204 |
904 Raindrop Ln is owned and occupied by an individual who bought it in January 2025.
Source: Clay County records, as of December 18, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 442 AMECA AVE, ORANGE PARK, FL 32073-3326 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 23, 2023 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Jul 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Apr 11, 2019 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 28, 2025 · Amount on File |
| Deed Sale | Jan 28, 2025 · Amount on File |
| Prior Sale | Apr 11, 2019 · Amount on File |
| Deed Document Number | 2025003532 |
| Deed Book / Page | 4896 / 1571 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 904 RAINDROP LN, MIDDLEBURG, FL 32068-9055 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 904 RAINDROP LN, MIDDLEBURG, FL 32068-9055 |
| Document Number | 0046831818 |
|---|---|
| Date | Jan 23, 2023 |
| Book Page | 4683/1818 |
| Instrument | 2023003088 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Feb 1, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 904 RAINDROP LN, MIDDLEBURG, FL 32068-9055 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Title Company | NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 904 RAINDROP LN, MIDDLEBURG, FL 32068-9055 |
| Document Number | 0046322068 |
|---|---|
| Date | Jul 28, 2022 |
| Book Page | 4632/2068 |
| Instrument | 2022045969 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Apr 11, 2019 |
| Property Address | 904 RAINDROP LN, MIDDLEBURG, FL 32068-9055 |
| Document Number | 0041810437 |
| Book / Page | 4181 / 0437 |
| Map Reference | MB 52 PG 62-104 |
| Instrument Date | Apr 5, 2019 |
| Instrument | 2019018268 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2022 |
| Title Company | WATSON TTL SVCS OF NORTH FL |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,533.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4498 ALLABOARD DR, 4498, MIDDLEBURG, FL 32068-7505 |
| Name | Verified Name |
|---|---|
| Address | 904 RAINDROP LN, MIDDLEBURG, FL 32068-9055 |
| Document Number | 2019018269 |
|---|---|
| Date | Apr 11, 2019 |
| Instrument | 2019018269 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2049 |
The 2025 property tax bill for 904 Raindrop Ln was $2,715 with a homeowner's exemption.
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 | $2,715.00 Homeowner's exemption | $218,199 | $301,682 Land $60,000 Building $241,682 |
| 2023 | $5,455.00 (+6.03%) Homeowner's exemption | $205,874 (+3%) | $302,690 (+10.35%) Land $60,000 Building $242,690 |
| 2022 | $5,145.00 Homeowner's exemption | $199,878 | $274,293 Land $45,000 Building $229,293 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 904 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 904 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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