4632 Gopher St, Middleburg, FL 32068 Property Records

Clay County property record for 4632 Gopher St, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,487 sqft · built 1999
Lot Size	1.19 acres (52,184 sqft)
Owner	2 Owner Names on Record
Last Sale	$104,500 (Dec 1999)
Tax Bill	$1,381 (2025)
Deeds & Mortgages	Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-05-24-006699-088-00`

Property Details

APN / Parcel Number

Primary APN	`32-05-24-006699-088-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,487 sqft Heated Area
Gross Area	2,129 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	52,184 sqft (1.19 acres)
Lot Dimensions	300 ft deep x 174 ft wide
Garage Area	460 sqft
Porch	Porch
Porch Area	182 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4632 GOPHER ST
City	MIDDLEBURG
State	FL
Zip	32068-6450
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 BLK 168 BLACK CREEK PARK UNIT 1 AS REC O R 1837 PG 1572
Legal Range	24
Legal Township	05
Legal Section	32
Legal Subdivision	BLACK CREEK
Legal Block	168
Legal Lot Number	16
Legal Unit	1
Jurisdiction	CLAY FL
Township / Civil Division	KEYSTONE HEIGHTS
Census Block Group	2
Census Block	2016
Census Tract	31101

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	2 Owner Names on Record
Mailing Address	4632 GOPHER ST, MIDDLEBURG, FL 32068-6450
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 1999 · Amount on Record
Deed Sale	Dec 27, 1999 · Amount on Record
Deed Document Number	0018371572
Deed Book / Page	1837 / 1572
Last Transfer Date	Dec 29, 1999
Transfer Doc	0018371572
Record Updated	Jun 8, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4632 GOPHER ST, MIDDLEBURG, FL 32068-6450
Document Number	0040870090
Instrument Date	Apr 24, 2018
Transaction Type	Mortgage
Record Updated	Jun 14, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4632 GOPHER ST MIDDLEBURG FL 320686450, MIDDLEBURG, FL 32068-6450

Mortgage

Document Number	0040870090
Date	May 24, 2018
Book Page	004087/000090
Instrument	26813

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	May 23, 2058

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	$1,381.00 (-13.53%) Homeowner's exemption	$130,705 (+5.99%)	$287,793 (+8.38%) Land $50,000 Building $237,793
2023	$1,597.00 (+11.6%) Homeowner's exemption	$123,323 (+3%)	$265,545 (+13.84%) Land $34,000 Building $231,545
2022	$1,431.00 Homeowner's exemption	$119,732	$233,265 Land $27,000 Building $206,265

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 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

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

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.09% 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 92 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