4090 Cap Lock Ct, Middleburg, FL 32068 Property Records

Clay County property record for 4090 Cap Lock Ct, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,848 sqft · built 1997
Lot Size	1.02 acres (44,518 sqft)
Owner	2 Individual Names on File
Last Sale	$250,500 (Dec 2017)
Tax Bill	$1,996 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Mar 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`23-04-24-005572-000-08`

Property Details

APN / Parcel Number

Primary APN	`23-04-24-005572-000-08`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,848 sqft Heated Area
Gross Area	2,387 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	44,518 sqft (1.02 acres)
Lot Dimensions	265 ft deep x 168 ft wide
Garage Area	504 sqft
Porch	Porch
Porch Area	35 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4090 CAP LOCK CT
City	MIDDLEBURG
State	FL
Zip	32068-3284
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-2
Legal Description	LOT 8 FOXMEADOW UNIT 7 AS RECO R 4035 PG 1593
Legal Range	24
Legal Township	04
Legal Section	23
Legal Subdivision	FOXMEADOW
Legal Lot Number	8
Legal Unit	7
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	3
Census Block	3006
Census Tract	30204

Owner

4090 Cap Lock Ct is owned and occupied by two individuals who bought it in December 2017.

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	2 Individual Names on File
Mailing Address	4090 CAP LOCK CT, MIDDLEBURG, FL 32068-3284
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2025	Deed of Trust, Mortgage · Line of Credit COMMUNITY FIRST CREDIT UNION OF FLORIDA
Mar 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 30, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 18, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 5, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2017 · Amount on File
Deed Sale	Dec 5, 2017 · Amount on File
Deed Document Number	2017061721
Deed Book / Page	4035 / 1593
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4090 CAP LOCK CT, MIDDLEBURG, FL 32068-3284
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4090 CAP LOCK CT, MIDDLEBURG, FL 32068-3284

Mortgage

Document Number	0049680047
Date	Sep 11, 2025
Book Page	4968/47
Instrument	2025042808

Lender

Name	COMMUNITY FIRST CREDIT UNION OF FLORIDA
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 28, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4090 CAP LOCK CT, MIDDLEBURG, FL 32068-3284
Transaction Type	Mortgage
Record Updated	Apr 6, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045851289
Date	Mar 21, 2022
Book Page	4585/1289
Instrument	2022018023

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4090 CAP LOCK CT, MIDDLEBURG, FL 32068-3284
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043350275
Date	Jul 30, 2020
Book Page	4335/275
Instrument	2020038065

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	353 Months
Due	Dec 1, 2049

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4090 CAP LOCK CT, MIDDLEBURG, FL 32068-3284
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042520603
Date	Nov 18, 2019
Book Page	4252/0603
Instrument	2019061600

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Dec 5, 2017
Property Address	4090 CAP LOCK CT, MIDDLEBURG, FL 32068-3284
Document Number	0040351593
Book / Page	004035 / 001593
Instrument Date	Nov 3, 2017
Instrument	61721
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,753.00
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	4090 CAP LOCK CT MIDDLEBURG FL 320683284, MIDDLEBURG, FL 32068-3284

Tax Assessment & Valuation

The 2025 property tax bill for 4090 Cap Lock Ct was $1,996 with a homeowner's exemption.

Source: Clay County assessment roll, as of July 1, 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	$1,996.00 Homeowner's exemption	$171,024	$320,184 Land $50,000 Building $270,184
2023	$2,175.00 (+9.13%) Homeowner's exemption	$161,365 (+3%)	$303,176 (+15.52%) Land $50,000 Building $253,176
2022	$1,993.00 Homeowner's exemption	$156,666	$262,434 Land $25,000 Building $237,434

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

Flood

FEMA maps place 4090 Cap Lock 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

Wildfire risk around 4090 Cap Lock 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 63% of the US · lower than 89% 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.

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 72 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cap Lock Ct

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