9689 Mud Lake Rd, Macclenny, FL 32063 Property Records

Baker County property record for 9689 Mud Lake Rd, Macclenny, FL 32063

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,890 sqft · built 2018
Lot Size	8.43 acres (367,646 sqft)
Owner	2 Individual Names on File
Last Sale	$58,500 (Jun 2017)
Tax Bill	$3,234 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Nov 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-3S-21-0000-0000-0031`

Property Details

APN / Parcel Number

Primary APN	`21-3S-21-0000-0000-0031`

Interior

Full Baths	2 Baths
Building Area	1,890 sqft Living Area
1st Floor Area	1,890 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Fiber Cement Siding
Roof Material	Composition Shingle
Lot Area	367,646 sqft (8.43 acres)
Garage Type	Carport
Carport	Carport
Porch	Open Porch
Porch Area	1,560 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	9689 MUD LAKE RD
City	MACCLENNY
State	FL
Zip	32063-5299
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG 000844 ACRES NE 1/4 OF SE 1/4 SEC 21-3S-21E LYING NORTH & WEST OF SR 130 DESC IN OR 82 P 233 & OR 2017-3237 POM 118
Legal Range	21E
Legal Township	03S
Legal Section	21
Jurisdiction	BAKER FL
Township / Civil Division	MACCLENNY
Census Block Group	4
Census Block	4012
Census Tract	40102

Owner

9689 Mud Lake Rd is owned and occupied by two individuals who bought it in June 2017.

Source: Baker County records, as of December 10, 2025

Owner of Record	2 Individual Names on File
Mailing Address	9689 MUD LAKE RD, MACCLENNY, FL 32063-5299
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2020	Deed of Trust, Mortgage VYSTAR CU
Nov 30, 2018	Loan Modification, Mortgage FIRST FED'L SVGS BK
Jun 7, 2017	Warranty Deed, Construction Loan FIRST FSB/FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2017 · Amount on File
Deed Sale	Jun 7, 2017 · Amount on File
Deed Document Number	201700003237
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAKER FL
Property Address	9689 MUD LAKE RD, MACCLENNY, FL 32063-5299
Document Number	0000001755
Instrument Date	Mar 9, 2020
Transaction Type	Mortgage
Record Updated	Apr 28, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9689 MUD LAKE RD MACCLENNY FL 320635299, MACCLENNY, FL 32063-5299

Mortgage

Document Number	0000001755
Date	Mar 16, 2020
Instrument	1755

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 15, 2050

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAKER FL
Property Address	9689 MUD LAKE RD, MACCLENNY, FL 32063-5299
Document Number	0000008522
Instrument Date	Nov 30, 2018
Transaction Type	Mortgage
Record Updated	Jan 18, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9689 MUD LAKE RD MACCLENNY FL 320635299, MACCLENNY, FL 32063-5299

Mortgage

Document Number	0000008522
Date	Dec 4, 2018
Instrument	8522

Lender

Name	FIRST FED'L SVGS BK
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2048

Interest

Rate Type	Fixed Rate
Rate	5.37%

June 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	BAKER FL
Recording Date	Jun 7, 2017
Property Address	9689 MUD LAKE RD, MACCLENNY, FL 32063-5299
Document Number	0000003237
Instrument Date	Jun 6, 2017
Instrument	3237
Transaction Type	Construction Loan
Record Updated	Dec 7, 2017
Title Company	OSCEOLA LAND TITLE INC

Transaction

Amount	Amount on Record
Tax	$409.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8429 PLANTATION RD GLEN ST MARY FL 32040, GLEN ST MARY, FL 32040

Mortgage

Document Number	3238
Date	Jun 7, 2017
Instrument	3238

Lender

Name	FIRST FSB/FL
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 6, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 9689 Mud Lake Rd was $3,234 with a homeowner's exemption, up 3% from the year before.

Source: Baker County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Baker County
Unified School District	Baker County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,234.00 (+2.96%) Homeowner's exemption	$265,776 (+2.9%)	$424,443 (+5.33%) Land $77,394 Building $347,049
2024	$3,141.00 (+2.31%) Homeowner's exemption	$258,286 (+3%)	$402,948 (+4%) Land $77,394 Building $325,554
2023	$3,070.00 (+2.47%) Homeowner's exemption	$250,763 (+3%)	$387,440 (+13.13%) Land $72,668 Building $314,772
2022	$2,996.00 Homeowner's exemption	$243,459	$342,478 Land $53,172 Building $289,306

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 9689 Mud Lake Rd 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 18, 2025 · 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 13 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	4 (2012–2017)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Tropical Storm Debby, Jun 2012 · 3 claims

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

Wildfire risk around 9689 Mud Lake Rd is moderate, ranking above 56% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 56% of the US · lower than 71% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Northeast Florida Telephone Company Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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