Clay County property record for 4320 Phillip Smith Rd, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,360 sqft · built 1996 |
| Lot Size | 1.13 acres (49,222 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $872 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-04-24-005570-006-00 |
| Primary APN | 22-04-24-005570-006-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,360 sqft Heated Area |
| Gross Area | 1,800 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 49,222 sqft (1.13 acres) |
| Lot Dimensions | 491 ft deep x 100 ft wide |
| Porch | Porch |
| Porch Area | 440 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 4320 PHILLIP SMITH RD |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-7548 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF SW1/4 OF SE1/4 A/K/A PRCL 4 AS REC O R 1546 PG 205 |
| Legal Range | 24 |
| Legal Township | 04 |
| Legal Section | 22 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 30204 |
4320 Phillip Smith Rd is owned and occupied by two individuals who acquired it in March 1995.
Source: Clay County records, as of December 18, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4320 PHILLIP SMITH RD, MIDDLEBURG, FL 32068-7548 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 23, 1995 |
| Deed Sale | Mar 23, 1995 |
| Deed Document Number | 0001546205 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 4320 PHILLIP SMITH RD, MIDDLEBURG, FL 32068-7548 |
| Document Number | 0042870151 |
| Instrument Date | Feb 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4320 PHILLIP SMITH RD MIDDLEBURG FL 320687548, MIDDLEBURG, FL 32068-7548 |
| Document Number | 0042870151 |
|---|---|
| Date | Mar 9, 2020 |
| Book Page | 004287/000151 |
| Instrument | 12834 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 8, 2030 |
The 2025 property tax bill for 4320 Phillip Smith Rd was $872 with a homeowner's exemption.
Source: Clay County assessment roll, as of July 1, 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 | $872.00 Homeowner's exemption | $97,381 | $261,750 Land $56,500 Building $205,250 |
| 2023 | $1,120.00 (+15.82%) Homeowner's exemption | $91,881 (+3%) | $235,578 (+11.34%) Land $33,900 Building $201,678 |
| 2022 | $967.00 Homeowner's exemption | $89,205 | $211,576 Land $28,250 Building $183,326 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4320 Phillip Smith Rd 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 4320 Phillip Smith Rd is moderate, ranking above 66% 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 66% of the US · above 43% 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.
Source: FCC Broadband Data Collection, based on 12 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 |
5G and 4G LTE (outdoors only)
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