4537 Junction Dr, Middleburg, FL 32068 Property Records

Clay County property record for 4537 Junction Dr, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,567 sqft · built 1992
Lot Size	1.07 acres (46,696 sqft)
Owner	Individual Name on Record
Last Sale	$359,900 (Jun 2026)
Tax Bill	$4,032 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Sep 2025 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-04-24-005626-001-34`

Property Details

APN / Parcel Number

Primary APN	`27-04-24-005626-001-34`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,567 sqft Living Area
Gross Area	2,029 sqft
1st Floor Area	1,567 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	46,696 sqft (1.07 acres)
Lot Dimensions	292 ft deep x 160 ft wide
Garage Type	Attached
Garage Area	462 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	876 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4537 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 12 OLD JENNINGS JUNCTION UNIT 2 AS REC OR 4655 PG 1717,4934 PG 406, 4934 PG 408
Legal Range	24E
Legal Township	04S
Legal Section	27
Legal Subdivision	OLD JENNINGS JUNCTION UNIT 2
Legal Lot Number	12
Legal Unit	2
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	1
Census Block	1000
Census Tract	30204

Owner

Source: Clay County records, as of June 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4537 JUNCTION DR, MIDDLEBURG, FL 32068-3254
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2026	Warranty Deed, Transfer · VA Mortgage TEXANA BANK
Sep 10, 2025	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage BUTTON FINANCE INC
Oct 7, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2026 · Amount on Record
Deed Sale	Jun 5, 2026 · Amount on Record
Prior Sale	Oct 7, 2022 · Amount on Record
Deed Document Number	202627859
Deed Book / Page	5053 / 428
Prior Transfer Date	Aug 12, 2025
Prior Transfer Doc	0049671748
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jun 5, 2026
Property Address	4537 JUNCTION DR, MIDDLEBURG, FL 32068-3254
Document Number	0000027859
Book / Page	5053 / 428
Instrument Date	May 22, 2026
Instrument	202627859
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	WATSON TITLE SERVICES INC, WATSON TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$254,449.30
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4537 JUNCTION DR, MIDDLEBURG, FL 32068-3254
Investor	Possibly a Property Investor

Mortgage

Document Number	0000027860,
Date	Jun 5, 2026
Book Page	5053/430
Instrument	202627860

Lender

Name	TEXANA BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY FL
Recording Date	Sep 10, 2025
Property Address	4537 JUNCTION DR, MIDDLEBURG, FL 32068-3254
Document Number	0049671748
Book / Page	4967 / 1748
Map Reference	MB 23 PG 27&28
Instrument Date	Aug 12, 2025
Instrument	2025042693
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	STEWART TITLE GUARANTY CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4537 JUNCTION DR, MIDDLEBURG, FL 32068-3254

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4537 JUNCTION DR, MIDDLEBURG, FL 32068-3254

Mortgage

Document Number	0049671750
Date	Sep 10, 2025
Instrument	4967/1750

Lender

Name	BUTTON FINANCE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2045

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Oct 7, 2022
Property Address	4537 JUNCTION DR, MIDDLEBURG, FL 32068-3254
Document Number	0046551717
Book / Page	4655 / 1717
Map Reference	MB 23 PG 27&28
Instrument Date	Sep 27, 2022
Instrument	2022060242
Transaction Type	Transfer
Record Updated	Nov 2, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,016.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	43389 RATLIFF RD, 43389, CALLAHAN, FL 32011-8249

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4537 JUNCTION DR, MIDDLEBURG, FL 32068-3254

Mortgage

Document Number	0046551725
Date	Oct 7, 2022
Instrument	4655/1725

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

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	$4,032.00 (-2.42%)	$304,505 (+10.63%) Land $45,000 Building $259,505	$304,505 (+10.63%) Land $45,000 Building $259,505
2024	$4,132.00 (-6.66%)	$275,244 (+1.86%) Land $35,000 Building $240,244	$275,244 (+1.86%) Land $35,000 Building $240,244
2023	$4,427.00 (+7.9%)	$270,214 (+5.62%) Land $35,000 Building $235,214	$270,214 (+5.62%) Land $35,000 Building $235,214
2022	$4,103.00	$255,835 Land $35,000 Building $220,835	$255,835 Land $35,000 Building $220,835

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 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

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

Wildfire Risk	Moderate above 66% of the US · above 43% of Florida
Wildfire Likelihood	0.2% 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 17 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

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