Active·178 days on market
2777 County Rd 220
Middleburg, FL 32068
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Middleburg
PRIME LOCATION ON C.R. 220! FEATURES 350 ft ROAD FRONTAGE. Potential for residential and commercial opportunities. Currently zoned AR. The house which is occupied, is being sold as-is. . Do not go on the property without permission. *There are wetlands on the property, according to county website, not all the property can be developed. Buyers to do their due diligence and verify everything that is important to them by Calling Clay County. CHECK UNDER DOCUMENTS TAB FOR IMPORTANT INFORMATION AND DOCUMENTS.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 1970)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,412 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest park or preserve
Alpine Groves Parkabout 9 mi · 1 mi of trails
Closest public boat ramp
Old Ferry Public Boat Ramp (aka. Rideout Ferry)about 2 mi · St. Johns River - Black Creek
Closest kayak & paddleboard launch
Doctors Lake Park Kayak Launchabout 3 mi · Doctors Lake
Closest youth league fields
Argyle Forest Parkabout 6 mi · Baseball, Softball
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:30 AM, sunset 6:54 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $278,062 | $133,606 | — |
| 2024 | $276,355 | $121,460 | — |
| 2023 | $273,321 | $130,419 | — |
| 2022 | $252,286 | $124,881 | — |
| 2021 | $222,499 | $115,756 | ▲ $45,800 |
| 2020 | $165,920 | $107,460 | — |
Estimated taxes if purchased at asking price: ~$11,500/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.
History
Price & status history
- Apr 22, 2026Listed$625,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $219/sq ft; this home is listed at $401/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3011 Angora Bay Drive, Middleburg, FL 32068Listed by FLORIDA LUXURY HOMES | Sep 2026 | $346,000 | $173 | 4/2 | 2,004 | 102 | 0.1 |
| 1873 Sue Meadow Lane, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Aug 2026 | $343,000 | $227 | 4/2 | 1,510 | 3 | 0.1 |
| 1901 Sue Meadow Lane, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Oct 2026 | $330,500 | $219 | 4/2 | 1,510 | 38 | 0.3 |
| 3067 Wavering Lane, Middleburg, FL 32068Listed by WATSON REALTY CORP | Aug 2026 | $255,000 | $202 | 3/2 | 1,260 | 10 | 0.4 |
| 1670 Anne Drive, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $240,000 | $162 | 4/2 | 1,478 | 27 | 0.5 |
| 2702 Pinewood Boulevard N, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $242,000 | $219 | 3/2 | 1,104 | 13 | 0.5 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
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