4448 Junction Dr, Middleburg, FL 32068 Property Records

Clay County property record for 4448 Junction Dr, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,112 sqft · built 2020
Lot Size	0.979 acres (42,688 sqft)
Owner	Individual Name on File
Last Sale	$348,900 (Apr 2020)
Tax Bill	$4,202 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`34-04-24-005705-004-13`

Property Details

APN / Parcel Number

Primary APN	`34-04-24-005705-004-13`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,112 sqft Heated Area
Gross Area	2,825 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	42,688 sqft (0.979 acres)
Storage Building	2,925 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4448 JUNCTION DR
City	MIDDLEBURG
State	FL
Zip	32068-3255
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	LOT 13 TRAILS END AS REC O R 4297 PG 1722
Legal Range	24
Legal Township	04
Legal Section	34
Legal Subdivision	TRAILS END
Legal Lot Number	13
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	1
Census Block	1000
Census Tract	30204

Owner

4448 Junction Dr is owned and occupied by an individual who bought it in April 2020.

Source: Clay County records, as of December 18, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4448 JUNCTION DR, MIDDLEBURG, FL 32068-3255
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 29, 2022	Deed of Trust, Mortgage · Line of Credit JAX FCU
Apr 13, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK
Aug 27, 2019	Loan Modification, Mortgage AMERIS BK
Jul 19, 2019	Warranty Deed, Transfer SHEFFIELD AND BOATRIGHT TITLE SV, SHEFFIELD & BOATRIGHT TITLE SV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2020 · Amount on File
Deed Sale	Apr 13, 2020 · Amount on File
Prior Sale	Jul 19, 2019 · Amount on File
Deed Document Number	2020018660
Deed Book / Page	4297 / 1722
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4448 JUNCTION DR, MIDDLEBURG, FL 32068-3255
Transaction Type	Mortgage
Record Updated	May 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4448 JUNCTION DR, MIDDLEBURG, FL 32068-3255

Mortgage

Document Number	0045092124
Date	Sep 16, 2021
Book Page	4509/2124
Instrument	2021058404

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4448 JUNCTION DR, MIDDLEBURG, FL 32068-3255
Transaction Type	Mortgage
Record Updated	May 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4448 JUNCTION DR, MIDDLEBURG, FL 32068-3255

Mortgage

Document Number	0045890419
Date	Mar 29, 2022
Book Page	4589/419
Instrument	2022020120

Lender

Name	JAX FCU
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 28, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Apr 13, 2020
Property Address	4448 JUNCTION DR, MIDDLEBURG, FL 32068-3255
Document Number	0042971722
Book / Page	4297 / 1722
Map Reference	MB 53 PG 20-22
Instrument Date	Apr 7, 2020
Instrument	2020018660
Transaction Type	Transfer
Record Updated	May 5, 2022
Title Company	SHEFFIELD & BOATRIGHT TTL SV

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,449.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4448 JUNCTION DR, MIDDLEBURG, FL 32068-3255

Mortgage

Document Number	0042971724
Date	Apr 13, 2020
Instrument	4297/1724

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY FL
Recording Date	Aug 27, 2019
Property Address	4448 JUNCTION DR, MIDDLEBURG, FL 32068-3255
Document Number	0042251887
Book / Page	004225 / 001887
Instrument Date	Aug 23, 2019
Instrument	46108
Transaction Type	Mortgage
Record Updated	Sep 23, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12330 MANDARIN MEADOWS DR E JACKSONVILLE FL 322232631, JACKSONVILLE, FL 32223-2631

Mortgage

Document Number	42251887
Date	Aug 27, 2019
Book Page	004225/001887
Instrument	46108

Lender

Name	AMERIS BK
Type	Bank
Address	POOLER, GA 31322

Agreement

Amount	Amount on Record

Interest

Rate	5%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jul 19, 2019
Property Address	4448 JUNCTION DR, MIDDLEBURG, FL 32068-3255
Document Number	0042121529
Book / Page	004212 / 001529
Instrument Date	Jul 18, 2019
Instrument	37610
Transaction Type	Transfer
Record Updated	Sep 12, 2019
Title Company	SHEFFIELD AND BOATRIGHT TITLE SV, SHEFFIELD & BOATRIGHT TITLE SV

Transaction

Amount	Amount on Record
Tax	$490.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 600848 JACKSONVILLE FL 322600848, JACKSONVILLE, FL 32260-0848

Tax Assessment & Valuation

The 2025 property tax bill for 4448 Junction Dr was $4,202 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	$4,202.00 Homeowner's exemption	$315,699	$454,427 Land $73,500 Building $380,927
2023	$3,986.00 (+6.15%) Homeowner's exemption	$280,629 (+3%)	$417,082 (+18.38%) Land $73,500 Building $343,582
2022	$3,755.00 Homeowner's exemption	$272,456	$352,320 Land $56,840 Building $295,480

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

Flood

FEMA maps place 4448 Junction Dr in Zone X, an area of minimal flood risk, though there have been 27 flood claims nearby since 2008.

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
Nearby Flood Claims	27 (2008–2017)
Most Recent Claim	Nov 2017 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 18 claims Tropical Storm Debby, Jun 2012 · 5 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 4448 Junction Dr is moderate, ranking above 63% 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 63% of the US · lower than 61% 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 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T.

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