4575 Armadillo St, Middleburg, FL 32068 Property Records

Clay County property record for 4575 Armadillo St, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,715 sqft · built 2019
Lot Size	1.25 acres (54,842 sqft)
Owner	Individual Name on File
Last Sale	$530,000 (May 2025)
Tax Bill	$2,771 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Oct 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`35-05-24-006700-027-00`

Property Details

APN / Parcel Number

Primary APN	`35-05-24-006700-027-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,715 sqft Heated Area
Gross Area	2,288 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	54,842 sqft (1.25 acres)
Lot Dimensions	310 ft deep x 177 ft wide
Garage Type	Mixed
Garage Area	900 sqft
Carport	Carport
Carport Area	720 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4575 ARMADILLO ST
City	MIDDLEBURG
State	FL
Zip	32068-6314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK 210 BLACK CREEK PARKUNIT 2 AS REC O R 4935 PG 287
Legal Range	24
Legal Township	05
Legal Section	28
Legal Subdivision	BLACK CREEK
Legal Block	210
Legal Lot Number	1
Legal Unit	2
Jurisdiction	CLAY FL
Township / Civil Division	KEYSTONE HEIGHTS
Census Block Group	2
Census Block	2030
Census Tract	31101

Owner

4575 Armadillo St is owned and occupied by an individual who bought it in May 2025.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4575 ARMADILLO ST, MIDDLEBURG, FL 32068-6314
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage CENTERSTATE BANK OF FLORIDA NA
Oct 9, 2020	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Nov 20, 2019	Deed of Trust, Mortgage COMMUNITY FIRST CU/FL
Jun 13, 2019	Loan Modification, Mortgage CENTERSTATE BK NA
Jul 23, 2018	Warranty Deed, Transfer TRADEMARK TITLE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2025 · Amount on File
Deed Sale	May 30, 2025 · Amount on File
Prior Sale	Sep 5, 2024
Deed Document Number	0004935287
Deed Book / Page	4935 / 287
Record Updated	Jun 8, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4575 ARMADILLO ST, MIDDLEBURG, FL 32068-6314
Transaction Type	Mortgage
Record Updated	Feb 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041321430
Date	Oct 17, 2018
Book Page	4132/1430
Instrument	2018054417

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank
Address	WINTER HAVEN, FL 33881

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	373 Months
Due	Nov 1, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4575 ARMADILLO ST, MIDDLEBURG, FL 32068-6314
Transaction Type	Mortgage
Record Updated	Feb 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4575 ARMADILLO ST, MIDDLEBURG, FL 32068-6314

Mortgage

Document Number	0043630722
Date	Oct 9, 2020
Book Page	4363/722
Instrument	2020052713

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4575 ARMADILLO ST, MIDDLEBURG, FL 32068-6314
Document Number	0042541557
Instrument Date	Nov 20, 2019
Transaction Type	Mortgage
Record Updated	Dec 13, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4575 ARMADILLO ST MIDDLEBURG FL 320686314, MIDDLEBURG, FL 32068-6314

Mortgage

Document Number	0042541557
Date	Nov 26, 2019
Book Page	004254/001557
Instrument	63079

Lender

Name	COMMUNITY FIRST CU/FL
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 25, 2049

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY FL
Property Address	4575 ARMADILLO ST, MIDDLEBURG, FL 32068-6314
Document Number	0042011360
Instrument Date	Jun 13, 2019
Transaction Type	Mortgage
Record Updated	Jul 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4745 ARMADILLO ST MIDDLEBURG FL 32068, MIDDLEBURG, FL 32068

Mortgage

Document Number	0042011360
Date	Jun 13, 2019
Book Page	004201/001360
Instrument	30573

Lender

Name	CENTERSTATE BK NA
Type	Bank
Address	OKEECHOBEE, FL 34974

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 12, 2049

Interest

Rate Type	Fixed Rate
Rate	4.25%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jul 23, 2018
Property Address	4575 ARMADILLO ST, MIDDLEBURG, FL 32068-6314
Document Number	0041060049
Book / Page	004106 / 000049
Instrument Date	Jul 18, 2018
Instrument	37975
Transaction Type	Transfer
Record Updated	Aug 21, 2018
Title Company	TRADEMARK TITLE SERVICES INC

Transaction

Amount	Amount on Record
Tax	$210.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 8568 FLEMING ISLAND FL 320060014, FLEMING ISLAND, FL 32006-0014

Tax Assessment & Valuation

The 2025 property tax bill for 4575 Armadillo St was $2,771 with a homeowner's exemption.

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	$2,771.00 Homeowner's exemption	$221,833	$405,780 Land $50,000 Building $355,780
2023	$2,903.00 (+7.44%) Homeowner's exemption	$209,303 (+3%)	$373,501 (+14.17%) Land $34,000 Building $339,501
2022	$2,702.00 Homeowner's exemption	$203,207	$327,151 Land $27,000 Building $300,151

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

FEMA maps place 4575 Armadillo St in Zone X, an area of minimal flood risk.

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 File median of 14 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	14 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

Wildfire risk around 4575 Armadillo St is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.06% 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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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