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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

$304,000Sold4 bd · 2 ba · 1,438 sq ft

Sold·Closed Dec 22, 2025·183 days on market

5482 Carter Spencer Road

Middleburg, FL 32068

$304,000sold priceListed at $320,000 · 95% of asking$211/sqftMLS# 2072885
4
Beds
2
Baths
1,438
Sq Ft
1988
Built
—
Garage
No
Pool
No HOA1.03 acresSingle Family Residence1 story

About this home

Middleburg

Nestled on a picturesque 1.2-acre lot, this charming farmhouse offers the perfect blend of country living & modern comfort. As you arrive, you'll be welcomed by a classic country-style front porch, perfect for sipping your morning coffee while enjoying the peaceful surroundings. Step inside to discover a bright & airy open-concept kitchen & dining area with all new flooring, seamlessly flowing into a spacious & inviting living room—ideal for gatherings & cozy nights in. Down the hall, freshly fixed with new flooring, you'll find three guest bedrooms and an adorable guest bath, all thoughtfully designed for comfort & functionality. The primary suite featuring new carpet, is a true retreat, with a stunning brand-new bathroom with stylish finishes. Step through the brand-new sliding glass doors to explore the expansive backyard, where you'll find mature trees, open space, and a 24x24 barn with concrete flooring & electricity-perfect for a workshop, storage, or hobby space.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$1,657
Property taxesest. at asking price, Clay County$466
Estimated total, before insurance$2,123/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,077/yr · $173/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 (that applies to the reference bill above too).

Around this address

Nearby, from public data

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

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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): $2,077/yr

Estimated taxes if purchased at asking price: ~$5,600/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. Their median is $204/sq ft; this home is listed at $211/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2455 Violet Way, Middleburg, FL 32068Listed by SMILEEHOUSE AUCTION CO LLCJun 2026$135,000$733/21,848140.5
2467 Violet Way, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLCMar 2026$390,000$2134/21,835120.5
5316 Carter Spencer Road, Middleburg, FL 32068Listed by HATCH REALTY SERVICESApr 2026$260,000$1503/21,72830.6
2469 Quarterhorse Trail, Middleburg, FL 32068Listed by LANDBRIDGE REALTY GROUP LLCMay 2026$320,000$1903/21,680460.9
2414 Range Line Road, Middleburg, FL 32068Listed by WATSON REALTY CORPFeb 2026$385,000$2103/21,833351
5175 Carter Spencer Road, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLCMay 2026$235,000$2043/21,152881.3

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.

Is this home priced right?

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

Features

Price$320,000
Price / Sq Ft$223
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,438
Acres1.03 acres
Year Built1988
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address5482 Carter Spencer Road, Middleburg, FL 32068
Area145-middleburg-SW
Subdivision218 West Adams Loft
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size44,866.8 sq ft
Parcel Number13052300055900210

Amenities

UtilitiesCable Available, Electricity Connected
SewerSeptic Tank
Water SourceWell
ParkingOther

Interior

AppliancesDishwasher, Dryer, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne

Exterior

Road SurfaceAsphalt

Additional Information

Date ListedNovember 1, 2025
Days on Market183
Tax Amount$2,077.49
Tax Year2024
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CENTURY 21 INTEGRA

Sold by: HERRON REAL ESTATE 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 Dec 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.

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