4581 Junction Dr, Middleburg, FL 32068 Property Records

Clay County property record for 4581 Junction Dr, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,064 sqft · built 1992
Lot Size	0.984 acres (42,863 sqft)
Owner	Individual Name on Record
Last Sale	$171,900 (Oct 2004)
Tax Bill	$1,770 (2025)
Deeds & Mortgages	Dec 2022 Second Mortgage May 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-04-24-005626-003-11`

Property Details

APN / Parcel Number

Primary APN	`27-04-24-005626-003-11`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,064 sqft Living Area
1st Floor Area	2,064 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2002
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	42,863 sqft (0.984 acres)
Lot Dimensions	330 ft deep x 130 ft wide

Exterior Amenities

Porch	Open/Unfinished Porch
Porch Area	1,000 sqft
Deck Area	238 sqft
Canopy	120 sqft
Storage Building	211 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4581 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 3 AS REC OR 4603 PG 1479
Legal Range	24E
Legal Township	04S
Legal Section	27
Legal Subdivision	OLD JENNINGS JUNCTION UNIT 3
Legal Lot Number	11
Legal Unit	3
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 December 3, 2025

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	4581 JUNCTION DR, MIDDLEBURG, FL 32068-3254
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU
May 3, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Feb 5, 2019	Loan Modification, Mortgage · Conventional Mortgage SUNTRUST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2004 · Amount on Record
Deed Sale	Oct 7, 2004 · Amount on Record
Deed Document Number	200478652
Deed Book / Page	2438 / 2191
Last Transfer Date	Apr 27, 2022
Transfer Doc	0046031479
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4581 JUNCTION DR, MIDDLEBURG, FL 32068-3254
Transaction Type	Mortgage
Record Updated	Jan 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4581 JUNCTION DR, MIDDLEBURG, FL 32068-3254

Mortgage

Document Number	0046740307
Date	Dec 12, 2022
Book Page	4674/307
Instrument	2022071745

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	229 Months
Due	Jan 1, 2042

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY FL
Recording Date	May 3, 2022
Property Address	4581 JUNCTION DR, MIDDLEBURG, FL 32068-3254
Document Number	0046031479
Book / Page	4603 / 1479
Map Reference	MB 24 PG 46&47
Instrument Date	Apr 27, 2022
Instrument	2022028357
Transaction Type	Transfer
Record Updated	May 23, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4581 JUNCTION DR, 4581, MIDDLEBURG, FL 32068-3254

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4581 JUNCTION DR, MIDDLEBURG, FL 32068-3254

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY FL
Property Address	4581 JUNCTION DR, MIDDLEBURG, FL 32068-3254
Document Number	0041650182
Instrument Date	Feb 5, 2019
Transaction Type	Mortgage
Record Updated	Feb 25, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4581 JUNCTION DR MIDDLEBURG FL 320683254, MIDDLEBURG, FL 32068-3254

Mortgage

Document Number	0041650182
Date	Feb 14, 2019
Book Page	004165/000182
Instrument	7990

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2049

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	$1,770.00 (+5.11%) Homeowner's exemption	$156,210 (+5.99%)	$299,952 (+12.53%) Land $45,000 Building $254,952
2024	$1,684.00 (-14.17%)
2023	$1,962.00 (+9.79%) Homeowner's exemption	$147,387 (+3%)	$266,549 (+5.37%) Land $35,000 Building $231,549
2022	$1,787.00 Homeowner's exemption	$143,095	$252,976 Land $35,000 Building $217,976

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 68% of the US · above 48% of Florida
Wildfire Likelihood	0.2% 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 7 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 and 4G LTE (outdoors only)

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