Clay County property record for 945 Raindrop Ln, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,766 sqft · built 2008 |
| Lot Size | 0.153 acres (6,665 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,291 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-04-24-005574-000-12 |
| Primary APN | 24-04-24-005574-000-12 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,766 sqft Living Area |
| Gross Area | 2,228 sqft |
| 1st Floor Area | 1,766 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 6,665 sqft (0.153 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 79 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 945 RAINDROP LN |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-9057 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MPC |
| Legal Description | LOT 12 TWO CREEKS AS REC OR 4162 PG 1416 |
| Legal Range | 24E |
| Legal Township | 04S |
| Legal Section | 24 |
| Legal Subdivision | TWO CREEKS |
| Legal Lot Number | 12 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 30204 |
945 Raindrop Ln is owned and occupied by two individuals who acquired it in July 2026.
Source: Clay County records, as of August 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 945 RAINDROP LN, MIDDLEBURG, FL 32068-9057 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
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 |
|---|---|
| Jul 23, 2026 | Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC |
| Jan 11, 2022 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Feb 5, 2019 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 2026 |
| Deed Sale | Jul 23, 2026 |
| Prior Sale | Feb 5, 2019 · Amount on File |
| Deed Document Number | 202636346 |
| Deed Book / Page | 5069 / 122 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jul 23, 2026 |
| Property Address | 945 RAINDROP LN, MIDDLEBURG, FL 32068-9057 |
| Document Number | 0000036346 |
| Book / Page | 5069 / 122 |
| Instrument Date | Jul 15, 2026 |
| Instrument | 202636346 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2026 |
| Title Company | LANDMARK TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 945 RAINDROP LN, MIDDLEBURG, FL 32068-9057 |
| Investor | Possibly a Property Investor |
| Document Number | 0000036347, |
|---|---|
| Date | Jul 23, 2026 |
| Instrument | 202636347 |
| Name | MORTGAGE CENTER LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 945 RAINDROP LN, MIDDLEBURG, FL 32068-9057 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 945 RAINDROP LN LNQ, MIDDLEBURG, FL 32068-9057 |
| Document Number | 0045580373 |
|---|---|
| Date | Jan 11, 2022 |
| Book Page | 4558/373 |
| Instrument | 2022002520 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Feb 5, 2019 |
| Property Address | 945 RAINDROP LN, MIDDLEBURG, FL 32068-9057 |
| Document Number | 0041621416 |
| Book / Page | 004162 / 001416 |
| Instrument Date | Feb 5, 2019 |
| Instrument | 6272 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,428.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 945 RAINDROP LN MIDDLEBURG FL 320689057, MIDDLEBURG, FL 32068-9057 |
| Document Number | 41621418 |
|---|---|
| Date | Feb 5, 2019 |
| Book Page | 004162/001418 |
| Instrument | 6273 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 4, 2049 |
The 2025 property tax bill for 945 Raindrop Ln was $2,291 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 | $2,291.00 Homeowner's exemption | $190,353 | $265,204 Land $60,000 Building $205,204 |
| 2023 | $5,057.00 (+6.31%) Homeowner's exemption | $179,601 (+3%) | $268,341 (+11.84%) Land $60,000 Building $208,341 |
| 2022 | $4,757.00 Homeowner's exemption | $174,370 | $239,925 Land $45,000 Building $194,925 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 945 Raindrop Ln in Zone X, an area of minimal flood risk.
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 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 945 Raindrop Ln is moderate, ranking above 44% 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 44% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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: 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 63 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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