4477 Junction Dr, Middleburg, FL 32068 Property Records

Clay County property record for 4477 Junction Dr, Middleburg, FL 32068 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,422 sqft · built 2019
Lot Size	1.04 acres (45,302 sqft)
Owner	2 Individual Names on File
Last Sale	$62,000 (Oct 2017)
Tax Bill	$324 (2023)
Deeds & Mortgages	May 2022 Mortgage Oct 2019 Second Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`34-04-24-005705-004-01`

Property Details

APN / Parcel Number

Primary APN	`34-04-24-005705-004-01`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,422 sqft Heated Area
Gross Area	3,808 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	45,302 sqft (1.04 acres)
Garage Area	2,142 sqft
Pool Area	226 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4477 JUNCTION DR
City	MIDDLEBURG
State	FL
Zip	32068-3256
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 TRAIL'S END AS REC O R 4016 PG 1041
Legal Range	24
Legal Township	04
Legal Section	34
Legal Subdivision	TRAILS END
Legal Lot Number	1 8
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	1
Census Block	1000
Census Tract	30204

Owner

Source: Clay County records · APN 34-04-24-005705-004-01

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	4477 JUNCTION DR, MIDDLEBURG, FL 32068-3256
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Oct 16, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ADMIRALS BANK
Dec 03, 2020	Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB
Dec 26, 2019	Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SVGS BK
May 13, 2019	Loan Modification, Mortgage FIRST FED'L SVGS BK
Aug 27, 2018	Trustee's Deed, Construction Loan · Construction Mortgage FIRST FSB/FL
Oct 02, 2017	Corporation Deed, Transfer · Balloon Mortgage LJO INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 02, 2017 · Amount on Record
Deed Sale	Oct 02, 2017 · Amount on Record
Deed Document Number	2017049763
Deed Book / Page	4016 / 1041
Record Updated	Jun 08, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4477 JUNCTION DR, MIDDLEBURG, FL 32068-3256
Transaction Type	Mortgage
Record Updated	Jun 17, 2022
Title Company	AMERICAS SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4477 JUNCTION DR, MIDDLEBURG, FL 32068-3256

Mortgage

Document Number	0046120821
Date	May 27, 2022
Book Page	4612/821
Instrument	2022033581

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jun 01, 2047

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4477 JUNCTION DR, MIDDLEBURG, FL 32068-3256
Transaction Type	Mortgage
Record Updated	Feb 18, 2021
Title Company	FIRST NATIONAL T&E

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042412011
Date	Oct 16, 2019
Book Page	4241/2011
Instrument	2019055369

Lender

Name	ADMIRALS BANK
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Aug 27, 2034

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4477 JUNCTION DR, MIDDLEBURG, FL 32068-3256
Transaction Type	Mortgage
Record Updated	Feb 18, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043842096
Date	Dec 03, 2020
Book Page	4384/2096
Instrument	2020063830

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 01, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4477 JUNCTION DR, MIDDLEBURG, FL 32068-3256
Document Number	0042720037
Instrument Date	Dec 26, 2019
Transaction Type	Mortgage
Record Updated	Feb 10, 2020
Title Company	TRANSTAR NATIONAL TITLE, TRANSTAR NAT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4477 JUNCTION DR MIDDLEBURG FL 320683256, MIDDLEBURG, FL 32068-3256

Mortgage

Document Number	0042720037
Date	Jan 22, 2020
Book Page	004272/000037
Instrument	3926

Lender

Name	NORTH AMERICAN SVGS BK
Type	Federal Savings Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2050

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY FL
Property Address	4477 JUNCTION DR, MIDDLEBURG, FL 32068-3256
Document Number	0041920155
Instrument Date	May 13, 2019
Transaction Type	Mortgage
Record Updated	Jun 03, 2019
Title Company	TITLE AMERICA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4477 JUNCTION DR MIDDLEBURG FL 320683256, MIDDLEBURG, FL 32068-3256

Mortgage

Document Number	0041920155
Date	May 16, 2019
Book Page	004192/000155
Instrument	24990

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 15, 2049

Interest

Rate	4.5%

August 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CLAY FL
Recording Date	Aug 27, 2018
Property Address	4477 JUNCTION DR, MIDDLEBURG, FL 32068-3256
Document Number	0041170723
Book / Page	004117 / 000723
Instrument Date	Aug 24, 2018
Instrument	44875
Transaction Type	Construction Loan
Record Updated	Sep 14, 2018
Title Company	TITLE AMERICA RE CLOSINGS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4477 JUNCTION DR MIDDLEBURG FL 320683256, MIDDLEBURG, FL 32068-3256

Mortgage

Document Number	41170723
Date	Aug 27, 2018
Book Page	004117/000723
Instrument	44875

Lender

Name	FIRST FSB/FL
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 26, 2048

October 2017: Corporation Deed, Transfer

Document Type	Corporation Deed
Jurisdiction	CLAY FL
Recording Date	Oct 02, 2017
Property Address	4477 JUNCTION DR, MIDDLEBURG, FL 32068-3256
Document Number	0040161041
Book / Page	4016 / 1041
Map Reference	MB53 PG20-23
Instrument Date	Sep 29, 2017
Instrument	2017049763
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	REALTY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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 POINT RD, 2521, ORANGE PARK, FL 32073

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2032 CYPRESS BLUFF CT, FLEMING ISLAND, FL 32003-5307

Mortgage

Document Number	2017049764
Date	Oct 02, 2017
Instrument	2017049764

Lender

Name	LJO INC
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 01, 2018

Interest

Rate	7%

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Clay County
Unified School District	Clay County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Disabled Person's exemption Veteran's exemption	$327,688 (+10.29%)	$581,990 (+6.08%) Land $78,000 Building $503,990
2023	$324.00 (+54.29%) Disabled Person's exemption Veteran's exemption	$297,110 (+3%)	$548,626 (+19.31%) Land $78,000 Building $470,626
2022	$210.00 Disabled Person's exemption Veteran's exemption	$288,457	$459,845 Land $60,320 Building $399,525

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (12019C), updated July 6, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120190302041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 52 individual NFIP policies nearby
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 Storm	Hurricane Irma, Sep 2017 · 18 claims Tropical Storm Debby, Jun 2012 · 5 claims

Wildfire

Wildfire Risk	Moderate above 53% of the US · above 24% of Florida
Wildfire Likelihood	About 1 in 943 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 83 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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