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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 Jul 22, 2025·237 days on market

2438 Quarterhorse Trail

Middleburg, FL 32068

$345,000sold priceListed at $349,900 · 98.6% of asking$185/sqftMLS# 2053126
3
Beds
2.5
Baths
1,860
Sq Ft
2007
Built
—
Garage
No
Pool
No HOA1.18 acresSingle Family Residence1 story

About this home

Middleburg

SELLER WILL PAY $10,000 TOWARDS BUYERS CLOSING COST. Come see the brand-new installed metal roof! 1.5-acre lot that has been cleared and well landscaped. Home has been remodeled is in like new condition. Home has 9-foot ceilings with crown molding thru ought. Nice new back deck to sit and view the beautiful private backyard. Seller will pay for 1 year home warranty also. Make your appointment to see asap!

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$1,911
Property taxesest. at asking price, Clay County$529
Estimated total, before insurance$2,440/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

$345,000
$69,000
Loan Term
Monthly Payment
$1,911
Principal & Interest: $1,911
Property taxes (est.): $529
Insurance (est.): $230
Estimated Total Monthly
$2,670
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Cost to own

Taxes & assessment

2023 property taxes (current owner): $2,164/yr

Estimated taxes if purchased at asking price: ~$6,300/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

  • May 24, 2025Listed$349,900

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 $151/sq ft; this home is listed at $188/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2414 Range Line Road, Middleburg, FL 32068Listed by WATSON REALTY CORPFeb 2026$385,000$2103/21,833350.4
5181 Antler Trail, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATEAug 2026$330,000$1454/22,28000.7
2355 Walters Road, Middleburg, FL 32068Listed by JOSEPH WALTER REALTY LLCJul 2026$300,000$1414/32,128400.7
5012 Laurel Street, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYJul 2026$670,000$2984/32,245900.9
2404 Silver Moss Circle, Middleburg, FL 32068Listed by SUPREME PATH BROKERAGE LLCJul 2025$244,000$1513/21,620680.9
2455 Violet Way, Middleburg, FL 32068Listed by SMILEEHOUSE AUCTION CO LLCJun 2026$135,000$733/21,848141.2

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$349,900
Price / Sq Ft$188
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,860
Acres1.18 acres
Year Built2007
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
Has PoolNo
Is WaterfrontNo

School Information

ElementaryWilkinson
MiddleWilkinson

Community Information

Address2438 Quarterhorse Trail, Middleburg, FL 32068
Area145-middleburg-SW
SubdivisionSpencer Trails
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size51,400.8 sq ft
Parcel Number13052300056000374
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingOther

Interior

AppliancesDishwasher, Electric Oven, Electric Water Heater, Microwave
HeatingCentral
CoolingCentral Air
# of Stories1

Exterior

Road SurfaceDirt

Additional Information

Date ListedMay 24, 2025
Days on Market237
Tax Amount$2,164.29
Tax Year2023
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: NOONEY REALTY LLC

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 Jul 22, 2025. 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

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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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