4075 Cap Lock Ct, Middleburg, FL 32068 Property Records

Clay County property record for 4075 Cap Lock Ct, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,014 sqft · built 1997
Lot Size	1.23 acres (53,970 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,639 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Feb 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-04-24-005572-000-12`

Property Details

APN / Parcel Number

Primary APN	`23-04-24-005572-000-12`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	3,014 sqft Living Area
Gross Area	4,312 sqft
1st Floor Area	3,014 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	53,970 sqft (1.23 acres)
Lot Dimensions	300 ft deep x 180 ft wide
Garage Type	Attached
Garage Area	600 sqft

Exterior Amenities

Pool Area	578 sqft
Porch	Finished Screened Porch
Porch Area	1,056 sqft
Patio Area	96 sqft
Storage Building	673 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4075 CAP LOCK CT
City	MIDDLEBURG
State	FL
Zip	32068-3285
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-2
Legal Description	LOT 12 FOXMEADOW UNIT 7 AS REC OR 4796 PG 1017
Legal Range	24E
Legal Township	04S
Legal Section	23
Legal Subdivision	FOXMEADOW UNIT 7
Legal Lot Number	12
Legal Unit	7
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	3
Census Block	3006
Census Tract	30204

Owner

Source: Clay County records, as of January 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4075 CAP LOCK CT, MIDDLEBURG, FL 32068-3285
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2025	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Feb 20, 2024	Warranty Deed, Transfer · VA Mortgage ZILLOW HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2024
Deed Sale	Feb 20, 2024
Prior Sale	Jan 7, 2004 · Amount on Record
Deed Document Number	20247888
Deed Book / Page	4796 / 1017
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4075 CAP LOCK CT, MIDDLEBURG, FL 32068-3285
Transaction Type	Mortgage
Record Updated	Jan 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4075 CAP LOCK CT, MIDDLEBURG, FL 32068-3285

Mortgage

Document Number	0049961353
Date	Dec 12, 2025
Book Page	4996/1353
Instrument	2025058347

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Feb 20, 2024
Property Address	4075 CAP LOCK CT, MIDDLEBURG, FL 32068-3285
Document Number	0047961017
Book / Page	4796 / 1017
Map Reference	MB 25 PG 59-67
Instrument Date	Feb 14, 2024
Instrument	2024007888
Transaction Type	Transfer
Record Updated	Mar 15, 2024
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1500 SANDPIPER BAY LOOP, DOWLING PARK, FL 32060

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4075 CAP LOCK CT, MIDDLEBURG, FL 32068-3285

Mortgage

Document Number	0047961019
Date	Feb 20, 2024
Instrument	4796/1019

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Tax Assessment & Valuation

Source: Clay County assessment roll, as of December 3, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,639.00 (+100.55%)	$551,001 (+93.48%) Land $50,000 Building $501,001	$551,001 (+5.2%) Land $50,000 Building $501,001
2024	$3,809.00 (-5.93%)
2023	$4,049.00 (+6.08%) Homeowner's exemption	$284,781 (+3%)	$523,761 (+11.91%) Land $50,000 Building $473,761
2022	$3,817.00 Homeowner's exemption	$276,487	$468,039 Land $25,000 Building $443,039

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 Record 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

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	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 121 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T, Hotwire Communications.

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