Clay County property record for 1051 Phoebe Ct, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,139 sqft · built 2009 |
| Lot Size | 0.253 acres (11,003 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $565,000 (Sep 2022) |
| Tax Bill | $6,570 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Aug 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-04-24-005574-001-69 |
| Primary APN | 24-04-24-005574-001-69 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 3,139 sqft Living Area |
| Gross Area | 4,035 sqft |
| 1st Floor Area | 2,740 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Hardboard |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 11,003 sqft (0.253 acres) |
| Garage Type | Attached |
| Garage Area | 708 sqft |
| Porch | Finished Screened Porch |
| Porch Area | 404 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1051 PHOEBE CT |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-8775 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MPC |
| Legal Description | LOT 169 TWO CREEKS AS REC OR 4652 PG 2064 |
| Legal Range | 24E |
| Legal Township | 04S |
| Legal Section | 24 |
| Legal Subdivision | TWO CREEKS |
| Legal Lot Number | 169 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 30204 |
1051 Phoebe Ct is owned and occupied by two individuals who bought it in September 2022.
Source: Clay County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1051 PHOEBE CT, MIDDLEBURG, FL 32068-8775 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Sep 27, 2022 | Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Aug 5, 2022 | Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Oct 11, 2019 | Warranty Deed, Transfer · FHA Mortgage PREFERRED LENDING SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 27, 2022 · Amount on File |
| Deed Sale | Sep 27, 2022 · Amount on File |
| Prior Sale | Oct 11, 2019 · Amount on File |
| Deed Document Number | 202258363 |
| Deed Book / Page | 4652 / 2064 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Sep 27, 2022 |
| Property Address | 1051 PHOEBE CT, MIDDLEBURG, FL 32068-8775 |
| Document Number | 0046522064 |
| Book / Page | 4652 / 2064 |
| Map Reference | MB 52 PG 62-104 |
| Instrument Date | Sep 23, 2022 |
| Instrument | 2022058363 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,955.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2150 E GERMANN RD STE 1, 2150, CHANDLER, AZ 85286-1662 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1051 PHOEBE CT, MIDDLEBURG, FL 32068-8775 |
| Document Number | 0046522066 |
|---|---|
| Date | Sep 27, 2022 |
| Instrument | 4652/2066 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Aug 5, 2022 |
| Property Address | 1051 PHOEBE CT, MIDDLEBURG, FL 32068-8775 |
| Document Number | 0046361494 |
| Book / Page | 4636 / 1494 |
| Map Reference | MB 52 PG 62-104 |
| Instrument Date | Aug 5, 2022 |
| Instrument | 2022048284 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Tax | $3,675.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 23072 AMBASSADOR AVE, PORT CHARLOTTE, FL 33954-3540 |
| Name | Verified Name |
|---|---|
| Address | 2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Oct 11, 2019 |
| Property Address | 1051 PHOEBE CT, MIDDLEBURG, FL 32068-8775 |
| Document Number | 0042401303 |
| Book / Page | 004240 / 001303 |
| Instrument Date | Oct 10, 2019 |
| Instrument | 54485 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2019 |
| Title Company | LANDMARK TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,135.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1051 PHOEBE CT MIDDLEBURG FL 320688775, MIDDLEBURG, FL 32068-8775 |
| Document Number | 42401305 |
|---|---|
| Date | Oct 11, 2019 |
| Book Page | 004240/001305 |
| Instrument | 54486 |
| Name | PREFERRED LENDING SERVICES LLC |
|---|---|
| Type | Bank |
| Address | TAMPA, FL 33647 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 10, 2049 |
The 2025 property tax bill for 1051 Phoebe Ct was $6,570 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 | $6,570.00 Homeowner's exemption | $470,925 Land $60,000 Building $410,925 | $470,925 Land $60,000 Building $410,925 |
| 2023 | $9,579.00 (+35.56%) Homeowner's exemption | $477,457 (+46.41%) Land $60,000 Building $417,457 | $477,457 (+11.09%) Land $60,000 Building $417,457 |
| 2022 | $7,066.00 Homeowner's exemption | $326,111 | $429,787 Land $45,000 Building $384,787 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1051 Phoebe Ct 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 1051 Phoebe Ct is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% 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 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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