4121 Saunders Dr, Middleburg, FL 32068 Property Records

Clay County property record for 4121 Saunders Dr, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,050 sqft · built 1973
Lot Size	2.1 acres (91,476 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Apr 2022)
Tax Bill	$3,584 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Apr 2021 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-05-24-006685-000-00`

Property Details

APN / Parcel Number

Primary APN	`26-05-24-006685-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,050 sqft Living Area
1st Floor Area	1,025 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	91,476 sqft (2.1 acres)
Lot Dimensions	415 ft deep x 235 ft wide
Porch	Finished/Open Porch
Porch Area	299 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4121 SAUNDERS DR
City	MIDDLEBURG
State	FL
Zip	32068-7114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 BLACK CREEK SHORES UNIT 3 AS REC OR 4590 PG 1549
Legal Range	24E
Legal Township	05S
Legal Section	26
Legal Subdivision	BLACK CREEK SHORES UNIT 3
Legal Lot Number	9
Legal Unit	IT3
Jurisdiction	CLAY FL
Township / Civil Division	PENNEY FARMS
Census Block Group	1
Census Block	1002
Census Tract	31201

Owner

4121 Saunders Dr is owned and occupied by an individual who bought it in April 2022.

Source: Clay County records, as of October 12, 2026

Owner of Record	Individual Name on File
Mailing Address	4121 SAUNDERS DR, MIDDLEBURG, FL 32068-7114
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2022	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 14, 2021	Warranty Deed, Construction Loan · Construction Mortgage LENDINGHOME FUNDING CORP
Dec 9, 2019	Warranty Deed, Transfer · Construction Mortgage HAYMARKET INSURANCE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2022 · Amount on File
Deed Sale	Apr 1, 2022 · Amount on File
Prior Sale	Apr 14, 2021 · Amount on File
Deed Document Number	202220965
Deed Book / Page	4590 / 1549
Prior Transfer Date	Jan 21, 2014
Prior Transfer Doc	0036131847
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Apr 1, 2022
Property Address	4121 SAUNDERS DR, MIDDLEBURG, FL 32068-7114
Document Number	0045901549
Book / Page	4590 / 1549
Map Reference	MB 8 PG 59&60
Instrument Date	Mar 30, 2022
Instrument	2022020965
Transaction Type	Transfer
Record Updated	Apr 18, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2784 HOMESTEAD RD # 236, 2784, SANTA CLARA, CA 95051-5353

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4121 SAUNDERS DR, MIDDLEBURG, FL 32068-7114

Mortgage

Document Number	0045901551
Date	Apr 1, 2022
Instrument	4590/1551

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

April 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Apr 14, 2021
Property Address	4121 SAUNDERS DR, MIDDLEBURG, FL 32068-7114
Document Number	0044430388
Book / Page	4443 / 388
Map Reference	MB 8 PG 59&60
Instrument Date	Apr 13, 2021
Instrument	2021022953
Transaction Type	Construction Loan
Record Updated	Feb 21, 2022
Title Company	TITLE AMERICA RE CLOSINGS INC, TITLE AMERICA RE CLOSING INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9838 BAYMEADOWS RD82, 9838, JACKSONVILLE, FL 32256

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2784 HOMESTEAD RD # 236, 236, SANTA CLARA, CA 95051-5353

Mortgage

Document Number	0004443390
Date	Apr 14, 2021
Instrument	4443/390

Lender

Name	LENDINGHOME FUNDING CORP
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Dec 9, 2019
Property Address	4121 SAUNDERS DR, MIDDLEBURG, FL 32068-7114
Document Number	0042580635
Book / Page	4258 / 0635
Map Reference	MB 8 PG 59&60
Instrument Date	Nov 27, 2019
Instrument	2019065009
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	TITLE AMERICA

Transaction

Amount	Amount on Record
Tax	$588.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6641 IVORY CREST WAY, 6641, JACKSONVILLE, FL 32244-6887

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9838 BAYMEADOWS RD, JACKSONVILLE, FL 32256

Mortgage

Document Number	0042580637
Date	Dec 9, 2019
Book Page	4258/0637
Instrument	2019065010

Lender

Name	HAYMARKET INSURANCE COMPANY
Type	Non-Lending Institution
Address	OMAHA, NE 68102

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	13 Months
Due	Jan 1, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 4121 Saunders Dr was $3,584 with a homeowner's exemption, up 4.8% from the year before.

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	$3,584.00 (+4.83%) Homeowner's exemption	$275,144	$303,598 Land $44,687 Building $258,911
2024	$3,419.00 (-7.67%)
2023	$3,703.00 (+50.9%) Homeowner's exemption	$262,009 (+77.66%) Land $44,687 Building $217,322	$262,009 (+77.66%) Land $44,687 Building $217,322
2022	$2,454.00 Homeowner's exemption	$147,478 Land $25,200 Building $122,278	$147,478 Land $25,200 Building $122,278

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4121 Saunders Dr 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 6, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 74 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	74 in force
Nearby Flood Claims	31 (1992–2017)
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 19 claims Tropical Storm Debby, Jun 2012 · 2 claims Hurricane Frances, Sep 2004 · 2 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 4121 Saunders Dr is moderate, ranking above 62% 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 62% of the US · lower than 62% 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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