4452 Spindle Ct, Middleburg, FL 32068 Property Records

Clay County property record for 4452 Spindle Ct, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,309 sqft · built 2005
Lot Size	0.605 acres (26,397 sqft)
Owner	Owner Name on Record
Last Sale	$237,500 (Jul 2014)
Tax Bill	$3,255 (2025)
Deeds & Mortgages	May 2021 Line of Credit Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-05-24-005966-003-26`

Property Details

APN / Parcel Number

Primary APN	`10-05-24-005966-003-26`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,309 sqft Heated Area
Gross Area	3,173 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	26,397 sqft (0.605 acres)
Lot Dimensions	240 ft deep x 110 ft wide
Garage Area	600 sqft

Exterior Amenities

Pool Area	510 sqft
Porch	Porch
Porch Area	360 sqft
Storage Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4452 SPINDLE CT
City	MIDDLEBURG
State	FL
Zip	32068-5068
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-2
Legal Description	LOT 26 TRAIL RIDGE AS REC O R3663 PG 661
Legal Range	24
Legal Township	05
Legal Section	10
Legal Subdivision	TRAIL RIDGE
Legal Lot Number	26
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	1
Census Block	1000
Census Tract	30103

Owner

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

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

Owner of Record	Owner Name on Record
Mailing Address	4452 SPINDLE CT, MIDDLEBURG, FL 32068-5068
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
May 6, 2021	Deed of Trust, Mortgage · Line of Credit 121 FINANCIAL CU
Oct 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2014 · Amount on Record
Deed Sale	Jul 25, 2014 · Amount on Record
Prior Sale	Apr 25, 2003 · Amount on Record
Deed Document Number	2014037082
Deed Book / Page	3663 / 0661
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4452 SPINDLE CT, MIDDLEBURG, FL 32068-5068
Transaction Type	Mortgage
Record Updated	May 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4452 SPINDLE CT, MIDDLEBURG, FL 32068-5068

Mortgage

Document Number	0044530941
Date	May 6, 2021
Book Page	4453/941
Instrument	2021028368

Lender

Name	121 FINANCIAL CU
Type	Credit Union
Address	JACKSONVILLE, FL 32203

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 5, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4452 SPINDLE CT, MIDDLEBURG, FL 32068-5068
Document Number	0040280403
Book / Page	004028 / 000403
Instrument Date	Oct 31, 2017
Transaction Type	Mortgage
Record Updated	Nov 23, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4452 SPINDLE CT MIDDLEBURG FL 320685068, MIDDLEBURG, FL 32068-5068

Mortgage

Document Number	0040280403
Date	Nov 8, 2017
Book Page	004028/000403
Instrument	56847

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 7, 2047

Tax Assessment & Valuation

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	$3,255.00 (-3.04%) Homeowner's exemption	$253,568 (+5.99%)	$457,930 (+5.03%) Land $50,000 Building $407,930
2023	$3,357.00 (+12.16%) Homeowner's exemption	$239,245 (+7.59%)	$435,996 (+27.3%) Land $50,000 Building $385,996
2022	$2,993.00 Homeowner's exemption	$222,374	$342,501 Land $35,000 Building $307,501

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

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 31 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	31 in force
Nearby Flood Claims	54 (1991–2017)
Claims Outside the SFHA	12 of 54
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 23 claims Tropical Storm Debby, Jun 2012 · 14 claims Severe Storms, High Winds, Tornadoes, And Flooding, Feb 1998 · 4 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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 50 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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