1. Home
  2. Florida
  3. Clay County
  4. Middleburg
  5. Armadillo St

4545 Armadillo St, Middleburg, FL 32068 Property Records

Clay County property record for 4545 Armadillo St, Middleburg, FL 32068 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,892 sqft · built 1991
Lot Size1.32 acres (57,804 sqft)
Owner2 Individual Names on File
Last Sale$87,500 (Sep 2008)
Tax Bill$2,255 (2025)
Deeds & MortgagesAug 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN28-05-24-006700-385-00

Property Details

APN / Parcel Number

Primary APN28-05-24-006700-385-00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,892 sqft Heated Area
Gross Area2,768 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1991
Exterior MaterialLogs
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area57,804 sqft (1.32 acres)
Lot Dimensions240 ft deep x 241 ft wide
Garage Area1,650 sqft

Exterior Amenities

Pool Area595 sqft
PorchPorch
Porch Area388 sqft
Patio Area180 sqft
Storage Building192 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address4545 ARMADILLO ST
CityMIDDLEBURG
StateFL
Zip32068-6314
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 1 BLK 1 BLACK CREEK PARK UNIT 5 AS REC O R 2737 PG 2171
Legal Range24
Legal Township05
Legal Section28
Legal SubdivisionBLACK CREEK
Legal Block1
Legal Lot Number1
Legal Unit5
JurisdictionCLAY FL
Township / Civil DivisionKEYSTONE HEIGHTS
Census Block Group2
Census Block2006
Census Tract31101

Owner

Source: Clay County records · APN 28-05-24-006700-385-00

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 Record2 Individual Names on File
Mailing Address4545 ARMADILLO ST, MIDDLEBURG, FL 32068-6314
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 26, 2008 · Amount on Record
Deed SaleSep 26, 2008 · Amount on Record
Prior SaleJun 09, 2006 · Amount on Record
Deed Document Number2008046726
Deed Book / Page2737 / 2171
Record UpdatedJun 08, 2026

August 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY FL
Property Address4545 ARMADILLO ST, MIDDLEBURG, FL 32068-6314
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyAMERICAN TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0041111521
DateAug 07, 2018
Book Page4111/1521
Instrument2018041377
Lender
NameSUNTRUST BANK
TypeBank
AddressORLANDO, FL 32809
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyClay County
Unified School DistrictClay 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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,255.00 (-6.74%) Homeowner's exemption$188,029 (+5.99%)$344,796 (+7.03%) Land $50,000 Building $294,796
2023$2,418.00 (+8.43%) Homeowner's exemption$177,408 (+3%)$322,161 (+13.6%) Land $34,000 Building $288,161
2022$2,230.00 Homeowner's exemption$172,241$283,589 Land $27,000 Building $256,589

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 120190311012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 14 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies14 in force

Wildfire

Wildfire RiskLow
above 37% of the US · above 11% of Florida
Wildfire LikelihoodAbout 1 in 1,613 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 127 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (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

Nearby Properties on Armadillo St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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