4538 Junction Dr, Middleburg, FL 32068 Property Records

Clay County property record for 4538 Junction Dr, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,669 sqft · built 1991
Lot Size	1 acres (43,908 sqft)
Owner	Individual Name on Record
Tax Bill	$1,440 (2025)
Deeds & Mortgages	Apr 2026 Sale Aug 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`27-04-24-005626-001-33`

Property Details

APN / Parcel Number

Primary APN	`27-04-24-005626-001-33`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,669 sqft Living Area
Gross Area	2,153 sqft
1st Floor Area	1,669 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	43,908 sqft (1 acres)
Lot Dimensions	287 ft deep x 153 ft wide
Garage Type	Attached
Garage Area	484 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	114 sqft
Patio Area	146 sqft
Storage Building	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4538 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 11 OLD JENNINGS JUNCTION UNIT 2 AS REC OR 1375 PG 201
Legal Range	24E
Legal Township	04S
Legal Section	27
Legal Subdivision	OLD JENNINGS JUNCTION UNIT 2
Legal Lot Number	11
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 May 19, 2026

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
Mailing Address	1725 DOCKSIDE DR, FLEMING ISLAND, FL 32003-9004
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Aug 30, 2022	Deed of Trust, Mortgage · Line of Credit VYSTAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY FL
Recording Date	Apr 24, 2026
Property Address	4538 JUNCTION DR, MIDDLEBURG, FL 32068-3254
Document Number	0000019844
Book / Page	5038 / 969
Instrument Date	Apr 21, 2026
Instrument	202619844
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	1725 DOCKSIDE DR, FLEMING ISLAND, FL 32003-9004

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4538 JUNCTION DR, MIDDLEBURG, FL 32068-3254
Transaction Type	Mortgage
Record Updated	Sep 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4538 JUNCTION DR, MIDDLEBURG, FL 32068-3254

Mortgage

Document Number	0046431634
Date	Aug 30, 2022
Book Page	4643/1634
Instrument	2022052633

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,440.00 (+5.26%) Homeowner's exemption	$134,579 (+5.99%)	$263,794 (+13.05%) Land $45,000 Building $218,794
2024	$1,368.00 (-17.19%)
2023	$1,652.00 (+11.25%) Homeowner's exemption	$126,978 (+3%)	$233,343 (+5.47%) Land $35,000 Building $198,343
2022	$1,485.00 Homeowner's exemption	$123,280	$221,236 Land $35,000 Building $186,236

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

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 55% of the US · lower than 73% 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 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

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