4504 Junction Dr, Middleburg, FL 32068 Property Records

Clay County property record for 4504 Junction Dr, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,964 sqft · built 1991
Lot Size	0.879 acres (38,289 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Sep 2025)
Tax Bill	$4,286 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jul 2025 Sale & Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27-04-24-005626-001-26`

Property Details

APN / Parcel Number

Primary APN	`27-04-24-005626-001-26`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,964 sqft Living Area
Gross Area	2,344 sqft
1st Floor Area	1,964 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Hardboard
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	38,289 sqft (0.879 acres)
Lot Dimensions	412 ft deep x 93 ft wide
Garage Type	Attached
Garage Area	380 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4504 JUNCTION DR
City	MIDDLEBURG
State	FL
Zip	32068-3254
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	LOT 4 OLD JENNINGS JUNCTION UNIT 2 AS REC OR 4965 PG 885
Legal Range	24E
Legal Township	04S
Legal Section	27
Legal Subdivision	OLD JENNINGS JUNCTION UNIT 2
Legal Lot Number	4
Legal Unit	2
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	3
Census Block	3027
Census Tract	30204

Owner

Source: Clay County records, as of October 19, 2026

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 Record
Mailing Address	4279 JOHNS CEMETERY RD, MIDDLEBURG, FL 32068-4740
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2025	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 3, 2025	Warranty Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC
Oct 1, 2021	Intrafamily Transfer, Transfer · Reverse Mortgage FINANCE OF AMERICA MORTGAGE LLC
Apr 30, 2018	Reverse Mortgage, Transfer · FHA Mortgage LIBERTY HM EQUITY SOLUTIONS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2025 · Amount on Record
Deed Sale	Sep 3, 2025 · Amount on Record
Prior Sale	Jul 3, 2025 · Amount on Record
Deed Document Number	202541455
Deed Book / Page	4965 / 885
Prior Transfer Date	Sep 23, 2021
Prior Transfer Doc	0045161814
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Sep 3, 2025
Property Address	4504 JUNCTION DR, MIDDLEBURG, FL 32068-3254
Document Number	0049650885
Book / Page	4965 / 885
Map Reference	MB 23 PG 27
Instrument Date	Aug 18, 2025
Instrument	2025041455
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	TITLE AMERICA RE CLOSINGS INC, TITLE AMERICA RE CLOSINGS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4231 WALNUT BND # 5, 5, JACKSONVILLE, FL 32257-4200

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4279 JOHNS CEMETERY RD, MIDDLEBURG, FL 32068-4740

Mortgage

Document Number	0004965887
Date	Sep 3, 2025
Instrument	4965/887

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

July 2025: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jul 3, 2025
Property Address	4504 JUNCTION DR, MIDDLEBURG, FL 32068-3254
Document Number	0049460977
Book / Page	4946 / 977
Map Reference	MB 23 PG 27&28
Instrument Date	Jun 30, 2025
Instrument	2025030717
Transaction Type	Construction Loan
Record Updated	Dec 19, 2025
Title Company	JACKSONVILLE TITLE AND TRUST LLC, JACKSONVILLE TTL AND TR LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,491.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1797 HEARTH ST, MIDDLEBURG, FL 32068-3912

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4231 WALNUT BND, JACKSONVILLE, FL 32257-4200
Investor	Possibly a Property Investor

Mortgage

Document Number	0004946980
Date	Jul 3, 2025
Instrument	4946/980

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY FL
Recording Date	Oct 1, 2021
Property Address	4504 JUNCTION DR, MIDDLEBURG, FL 32068-3254
Document Number	0045161814
Book / Page	4516 / 1814
Map Reference	MB 23 PG 27&28
Instrument Date	Sep 23, 2021
Instrument	2021062063
Transaction Type	Transfer
Record Updated	Oct 11, 2021
Title Company	FNC TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4504 JUNCTION DR, MIDDLEBURG, FL 32068-3254

Mortgage

Document Number	45161817
Date	Oct 1, 2021
Instrument	4516/1817

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	854 Months
Due	Dec 3, 2092

April 2018: Reverse Mortgage, Transfer

Document Type	Reverse Mortgage
Jurisdiction	CLAY FL
Recording Date	Apr 30, 2018
Property Address	4504 JUNCTION DR, MIDDLEBURG, FL 32068-3254
Document Number	0040781458
Book / Page	004078 / 001458
Instrument Date	Apr 23, 2018
Instrument	21608
Transaction Type	Transfer
Record Updated	May 18, 2018
Title Company	CHANCELLOR TITLE AGENCY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4504 JUNCTION DR MIDDLEBURG FL 320683254, MIDDLEBURG, FL 32068-3254

Mortgage

Document Number	40781459
Date	Apr 30, 2018
Book Page	004078/001459
Instrument	21609

Lender

Name	LIBERTY HM EQUITY SOLUTIONS
Type	Funding / Finance Company
Address	RANCHO CORDOVA, CA 95670

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	888 Months
Due	Apr 29, 2092

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County assessment roll, as of December 3, 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	$4,286.00 (+12.17%)	$282,602 (+11.03%) Land $45,000 Building $237,602	$282,602 (+11.03%) Land $45,000 Building $237,602
2024	$3,821.00 (+119.22%)	$254,519 (+91.49%) Land $35,000 Building $219,519	$254,519 (+1.91%) Land $35,000 Building $219,519
2023	$1,743.00 (+10.81%) Homeowner's exemption	$132,917 (+3%)	$249,743 (+5.57%) Land $35,000 Building $214,743
2022	$1,573.00 Homeowner's exemption	$129,046	$236,559 Land $35,000 Building $201,559

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 52 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	52 in force

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 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% 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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Junction Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures