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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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Sold

Sold·Closed Jan 30, 2026·603 days on market

3984 Lazy Acres Road

Middleburg, FL 32068

$60,000sold priceListed at $60,000 · 100% of askingMLS# 2020944
0
Beds
0
Baths
0
Sq Ft
—
Built
—
Garage
No
Pool
No HOA2.98 acresUnimproved Land

About this home

Middleburg

Prime 2.98-acre unimproved lot in a fantastic location. Enjoy easy access to dining, shopping, and medical facilities, as well as the new toll road, all while maintaining a private atmosphere. Ideal for building your dream home!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$332
Property taxesest. at asking price, Clay County$92
Estimated total, before insurance$424/mo
  • • 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

$60,000
$12,000
Loan Term
Monthly Payment
$332
Principal & Interest: $332
Property taxes (est.): $92
Insurance (est.): $40
Estimated Total Monthly
$464
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

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.

Cost to own

Taxes & assessment

2023 property taxes (current owner): $447/yr

Estimated taxes if purchased at asking price: ~$1,100/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, NEFMLS.

History

Price & status history

  • Oct 22, 2024Listed$60,000

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.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4071 Lazy Acres Road, Middleburg, FL 32068Listed by EXIT MAGNOLIA POINT REALTYMar 2026$120,000—0/0—1680.4
4071 Lazy Acres Road, Middleburg, FL 32068Listed by EXIT MAGNOLIA POINT REALTYAug 2025$85,000—0/0—3040.4
2125 Harvard Street, Middleburg, FL 32068Listed by MAXREV, LLCJul 2025$118,500—0/0—90.6
2139 2143 Charter Pointe Way, Middleburg, FL 32068Listed by NORTH FLORIDA REALTY ADVISORSSep 2026$205,000—0/0—1200.7
0 Charter Pointe Way, Middleburg, FL 32068Listed by NORTH FLORIDA REALTY ADVISORSMay 2026$94,000—0/0—200.7
4235 Lazy Acres Road, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLCMay 2025$95,000—0/0—3310.7

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

Price$60,000
Bedrooms0
Bathrooms0.00
Full Baths0
Acres2.98 acres
TypeLand
Sub-TypeUnimproved Land
StatusClosed
Has PoolNo
Is WaterfrontNo

School Information

ElementaryMiddleburg
MiddleWilkinson

Community Information

Address3984 Lazy Acres Road, Middleburg, FL 32068
Area141-Middleburg NW
SubdivisionCountry Meadows
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size129,808.8 sq ft
Parcel Number11052400605500142
ZoningPUD

Amenities

UtilitiesElectricity Available, Sewer Available, Water Available
Water SourceNone

Exterior

Lot DescriptionWooded
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedOctober 22, 2024
Days on Market603
Tax Amount$447.41
Tax Year2023
Listing TermsCash, Conventional
55+ CommunityNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY

Sold by: FLORIDA HOMES REALTY & MTG LLC (buyer's brokerage)

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jan 30, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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