No photos available
This listing has no photos yet
No photos available
This listing has no photos yet
Sold·Closed Sep 26, 2025·162 days on market
4170 Steven Arthur Drive
Middleburg, FL 32068
About this home
Middleburg
After many months of diligent effort, FEMA has FINALLY lifted the ban on getting flood insurance!!! This absolutely gorgeous lot on Black Creek is ready!!! This Waterfront property is a navigable tributary of the St. Johns River and Ocean—offering boating access from your new HOME. Kayak, go fishing, relax or just enjoy this HOMES ONLY area at your new waterfront address. Mature palm trees on a cleared lot. Power pole & well on site but not turned on. Buyers to perform all due diligence for buyers' future intended use. Hurricane Irma put a damper on the South Prong of Black Creek for buyers obtaining flood ins for their new home build BUT now that ban has been lifted & we are READY TO SELL.
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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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
Sal Taylor Creek Preserveabout 12 mi · 4.6 mi of trails
Closest public boat ramp
Middleburg (Main Street) Public Boat Rampabout 3 mi · North Fork Black Creek
Closest kayak & paddleboard launch
Jennings State Forest – Indian Ford Paddling Accessabout 5 mi · Black Creek North Fork
Closest youth league fields
Rivertown Parkabout 13 mi · Baseball, Football, Lacrosse, Softball, Track
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
2024 property taxes (current owner): $605/yr
Estimated taxes if purchased at asking price: ~$2,600/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.
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.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4174 Clove Street, Middleburg, FL 32068Listed by WATSON REALTY CORP | Nov 2025 | $90,000 | — | 0/0 | — | 4 | 0.6 |
| 0 Anchor Road, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLC | Jul 2025 | $89,000 | — | 0/0 | — | 94 | 0.7 |
| 4501 Tarragon Avenue, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jun 2026 | $65,000 | — | 0/0 | — | 35 | 1 |
| 3923 Skipper Road, Middleburg, FL 32068Listed by NUBUILD LLC | Sep 2026 | $96,000 | — | 0/0 | — | 90 | 1.3 |
| 3216 Mill Creek Road, Middleburg, FL 32068Listed by COLDWELL BANKER SMITH AND SMITH REALTY | Mar 2026 | $82,000 | — | 0/0 | — | 32 | 1.4 |
| 0 Longmire Road, Middleburg, FL 32068Listed by KELLER WILLIAMS FIRST COAST REALTY | Sep 2026 | $50,000 | — | 0/0 | — | 2 | 1.5 |
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
Community Information
Amenities
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
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.
Keep looking
Similar homes in Middleburg
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 26, 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines