4688 Gopher St, Middleburg, FL 32068 Property Records

Clay County property record for 4688 Gopher St, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,316 sqft · built 1987
Lot Size	1.15 acres (50,094 sqft)
Owner	Individual Name on Record
Tax Bill	$1,557 (2025)
Deeds & Mortgages	Nov 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`32-05-24-006699-096-00`

Property Details

APN / Parcel Number

Primary APN	`32-05-24-006699-096-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,316 sqft Living Area
Gross Area	2,178 sqft
1st Floor Area	1,316 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	50,094 sqft (1.15 acres)
Lot Dimensions	341 ft deep x 147 ft wide
Garage Type	Attached
Garage Area	462 sqft

Exterior Amenities

Pool Area	465 sqft
Porch	Finished Screened Porch
Porch Area	420 sqft
Storage Building	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4688 GOPHER ST
City	MIDDLEBURG
State	FL
Zip	32068-6450
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 BLK 169 BLACK CREEK PARK UNIT 1 AS REC OR 1731 PG 36;1769 PG 1794 & 2863 PG 2015
Legal Range	24E
Legal Township	05S
Legal Section	32
Legal Subdivision	BLACK CREEK PARK UNIT 1
Legal Block	169
Legal Lot Number	7
Legal Unit	1
Jurisdiction	CLAY FL
Township / Civil Division	KEYSTONE HEIGHTS
Census Block Group	2
Census Block	2022
Census Tract	31101

Owner

Source: Clay County records, as of December 3, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	4688 GOPHER ST, MIDDLEBURG, FL 32068-6450
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 12, 2007
Transfer Doc	0028632015
Record Updated	Jun 8, 2026

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY FL
Property Address	4688 GOPHER ST, MIDDLEBURG, FL 32068-6450
Document Number	0041540190
Instrument Date	Nov 27, 2018
Transaction Type	Mortgage
Record Updated	Jan 29, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4688 GOPHER ST MIDDLEBURG FL 320686450, MIDDLEBURG, FL 32068-6450

Mortgage

Document Number	0041540190
Date	Jan 3, 2019
Book Page	004154/000190
Instrument	489

Lender

Name	SETERUS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	468 Months
Due	Jan 2, 2058

Interest

Rate	4.12%

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	$1,557.00 (+5.2%) Homeowner's exemption	$142,239 (+5.99%)	$260,689 (+8.4%) Land $50,000 Building $210,689
2024	$1,480.00 (-16%)
2023	$1,762.00 (+10.68%) Homeowner's exemption	$134,205 (+3%)	$240,485 (+15.53%) Land $34,000 Building $206,485
2022	$1,592.00 Homeowner's exemption	$130,297	$208,162 Land $27,000 Building $181,162

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 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.08% 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