4472 Junction Dr, Middleburg, FL 32068 Property Records

Clay County property record for 4472 Junction Dr, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,512 sqft · built 2020
Lot Size	1.02 acres (44,431 sqft)
Owner	Individual Name on File
Last Sale	$65,000 (Jul 2019)
Tax Bill	$7,138 (2023)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2020 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`34-04-24-005705-004-16`

Property Details

APN / Parcel Number

Primary APN	`34-04-24-005705-004-16`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,512 sqft Heated Area
Gross Area	3,734 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	44,431 sqft (1.02 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4472 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 16 TRAILS END AS REC O R 4215 PG 1615
Legal Range	24
Legal Township	04
Legal Section	34
Legal Subdivision	TRAILS END
Legal Lot Number	16
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	1
Census Block	1000
Census Tract	30204

Owner

4472 Junction Dr is owned and occupied by an individual who bought it in July 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4472 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 23, 2021	Deed of Trust, Mortgage · VA Mortgage ACCELERATE MORTGAGE LLC
Jun 16, 2020	Loan Modification, Mortgage · FHA Mortgage FIRST FED'L SVGS BK
Jul 29, 2019	Warranty Deed, Construction Loan · Construction Mortgage FIRST FEDERAL BANK
Oct 10, 2017	Grant Deed, Subdivision Related Transfer REALTY TITLE INC
Sep 1, 2017	Warranty Deed, Transfer · Balloon Mortgage LJO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2019 · Amount on File
Deed Sale	Jul 29, 2019 · Amount on File
Prior Sale	Sep 1, 2017 · Amount on File
Deed Document Number	2019039511
Deed Book / Page	4215 / 1615
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4472 JUNCTION DR, MIDDLEBURG, FL 32068-3255
Transaction Type	Mortgage
Record Updated	May 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4472 JUNCTION DR, MIDDLEBURG, FL 32068-3255

Mortgage

Document Number	0045120709
Date	Sep 23, 2021
Book Page	4512/709
Instrument	2021059736

Lender

Name	ACCELERATE MORTGAGE LLC
Type	Mortgage Company
Address	NEWARK, DE 19713

Agreement

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

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY FL
Property Address	4472 JUNCTION DR, MIDDLEBURG, FL 32068-3255
Document Number	0043191641
Instrument Date	Jun 16, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4472 JUNCTION DR MIDDLEBURG FL 320683255, MIDDLEBURG, FL 32068-3255

Mortgage

Document Number	0043191641
Date	Jun 18, 2020
Book Page	004319/001641
Instrument	30067

Lender

Name	FIRST FED'L SVGS BK
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 17, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

July 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jul 29, 2019
Property Address	4472 JUNCTION DR, MIDDLEBURG, FL 32068-3255
Document Number	0042151615
Book / Page	4215 / 1615
Map Reference	MB 53 PG 20-23
Instrument Date	Jul 26, 2019
Instrument	2019039511
Transaction Type	Construction Loan
Record Updated	May 5, 2022
Title Company	REALTY TITLE INC

Transaction

Amount	Amount on Record
Tax	$455.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3326 PEORIA RD, 3326, ORANGE PARK, FL 32065-7623

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4472 JUNCTION DR, MIDDLEBURG, FL 32068-3255

Mortgage

Document Number	0042151616
Date	Jul 29, 2019
Instrument	4215/1616

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

October 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CLAY FL
Recording Date	Oct 10, 2017
Property Address	4472 JUNCTION DR, MIDDLEBURG, FL 32068-3255
Document Number	0040191085
Book / Page	004019 / 001085
Instrument Date	Aug 31, 2017
Instrument	51531
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 26, 2017
Title Company	REALTY TITLE INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	863 CAMP FRANCIS JOHNSON RD ORANGE PARK FL 320655832, ORANGE PARK, FL 32065-5832

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Sep 1, 2017
Property Address	4472 JUNCTION DR, MIDDLEBURG, FL 32068-3255
Document Number	0040090183
Book / Page	4009 / 0183
Map Reference	MB53 PG20-23
Instrument Date	Aug 31, 2017
Instrument	2017045316
Transaction Type	Transfer
Record Updated	May 5, 2022
Title Company	REALTY TITLE INS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2521 HOLLY POINT RD E, 2521, ORANGE PARK, FL 32073-5632

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	883 CAMP FRANCIS JOHNSON RD, ORANGE PARK, FL 32065-5832

Mortgage

Document Number	2017045317
Date	Sep 1, 2017
Instrument	2017045317

Lender

Name	LJO INC
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	36 Months
Due	Sep 1, 2020

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	Disabled Person's exemption Veteran's exemption	$510,215 Land $76,500 Building $433,715	$510,215 Land $76,500 Building $433,715
2023	$7,138.00 (+14.72%)	$486,612 (+18.19%) Land $76,500 Building $410,112	$486,612 (+18.19%) Land $76,500 Building $410,112
2022	$6,222.00	$411,736 Land $59,160 Building $352,576	$411,736 Land $59,160 Building $352,576

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

Flood

FEMA maps place 4472 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 4472 Junction Dr is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% 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 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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