4458 Spindle Ct, Middleburg, FL 32068 Property Records

Clay County property record for 4458 Spindle Ct, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,891 sqft · built 1996
Lot Size	0.37 acres (16,160 sqft)
Owner	Individual Name on Record
Last Sale	$149,700 (Jan 2011)
Tax Bill	$1,834 (2025)
Deeds & Mortgages	Apr 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`10-05-24-005966-003-24`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,891 sqft Heated Area
Gross Area	2,774 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,160 sqft (0.37 acres)
Lot Dimensions	270 ft deep x 60 ft wide
Garage Area	2,400 sqft
Porch	Porch
Porch Area	247 sqft
Patio Area	174 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4458 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 24 TRAIL RIDGE AS REC O R3275 PG 29
Legal Range	24
Legal Township	05
Legal Section	10
Legal Subdivision	TRAIL RIDGE
Legal Lot Number	24
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4458 SPINDLE CT, MIDDLEBURG, FL 32068-5068
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2011 · Amount on Record
Deed Sale	Jan 18, 2011 · Amount on Record
Prior Sale	Jul 16, 2003 · Amount on Record
Deed Document Number	2011002877
Deed Book / Page	3275 / 0029
Record Updated	Jun 8, 2026

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY FL
Property Address	4458 SPINDLE CT, MIDDLEBURG, FL 32068-5068
Document Number	0040821071
Instrument Date	Apr 18, 2018
Transaction Type	Mortgage
Record Updated	May 31, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4458 SPINDLE CT MIDDLEBURG FL 320685068, MIDDLEBURG, FL 32068-5068

Mortgage

Document Number	0040821071
Date	May 10, 2018
Book Page	004082/001071
Instrument	23970

Lender

Name	WFB NA
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 9, 2048

Interest

Rate	4.25%

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	$1,834.00 (-9.34%) Homeowner's exemption	$160,409 (+5.99%)	$310,621 (+4.86%) Land $50,000 Building $260,621
2023	$2,023.00 (+9.65%) Homeowner's exemption	$151,349 (+3%)	$296,223 (+23.04%) Land $50,000 Building $246,223
2022	$1,845.00 Homeowner's exemption	$146,941	$240,756 Land $35,000 Building $205,756

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 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20