4570 Bay Ct, Middleburg, FL 32068 Property Records

Clay County property record for 4570 Bay Ct, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,416 sqft · built 1997
Lot Size	1.12 acres (48,787 sqft)
Owner	Owner Name on Record
Tax Bill	$1,173 (2025)
Flood Zone	Zone X (minimal risk)
APN	`32-05-24-006698-012-00`

Property Details

APN / Parcel Number

Primary APN	`32-05-24-006698-012-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,416 sqft Heated Area
Gross Area	2,384 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	48,787 sqft (1.12 acres)
Lot Dimensions	257 ft deep x 190 ft wide
Garage Area	725 sqft

Exterior Amenities

Porch	Porch
Porch Area	75 sqft
Patio Area	168 sqft
Storage Building	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4570 BAY CT
City	MIDDLEBURG
State	FL
Zip	32068-5506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLK 129 BLACK CREEK PARK UNIT 1 AS REC O R 1368 PG 1899 & 3464 PG 2176
Legal Range	24
Legal Township	05
Legal Section	22
Legal Subdivision	BLACK CREEK
Legal Block	129
Legal Lot Number	11
Legal Unit	1
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	1
Census Block	1011
Census Tract	30106

Owner

Source: Clay County records, as of December 18, 2025

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

Owner of Record	Owner Name on Record
Mailing Address	4570 BAY CT, MIDDLEBURG, FL 32068-5506
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 30, 2012
Transfer Doc	0034642176
Record Updated	Jun 8, 2026

Tax Assessment & Valuation

Source: Clay County assessment roll, as of July 1, 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	$1,173.00 (-16.09%) Homeowner's exemption Widower's exemption	$122,089 (+5.99%)	$270,343 (+4.45%) Land $32,500 Building $237,843
2023	$1,398.00 (+7.21%) Homeowner's exemption Widower's exemption	$115,194 (+3%)	$258,817 (+12.98%) Land $30,000 Building $228,817
2022	$1,304.00 Homeowner's exemption Widower's exemption	$111,839	$229,091 Land $25,000 Building $204,091

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 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	5 (2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 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 59% of the US · lower than 67% 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 52 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
T-Mobile Fixed Wireless	100 / 20