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Sold·Closed May 30, 2025·21 days on market
4575 Armadillo Street
Middleburg, FL 32068
About this home
Middleburg
COUNTRY ROADS, TAKE ME HOME to your FAMILY COMPOUND, LOT COULD BE DIVIDED FOR ANOTHER HOME, beautiful brick / hardy board home, auto full house generator, enter foyer to living room with gas fireplace & dining room, crown molding throughout with wood look tile floors, open eat-in kitchen with solid oak 42'' cabinets with under lighting, all high end appliances, adjacent primary bedroom with lovely bathroom, classy oversized tiled shower, walk in closets, inside laundry with washer and dryer, 2 bedrooms with bathtub, room off of living room used as den/office-could be 4th bedroom, leads to nice screened tiled floor porch leads to patio for grilling. ADJACENT FROM HOME, oversized 2 CAR GARAGE & WORKROOM for those hobbies, next to this is BOAT PARKING, RV PORT 250 AMPS as a guest house THEN another car port next to this. Transferable pest control bond, extensive R13+ insulation in entire home. Attic R38. BRING YOUR TOYS AND LIVE THE FLORIDA LIFESTYLE! Shopping & Grade A schools!
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
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 2019)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,750 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis 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.
Sun & Light
Northeast-facing backyard — summer sunrises, all-day cool
The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:27 AM, sunset 7:02 PM.
- The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
- The coolest diagonal for a lanai; a pool here trades warmth for comfort.
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
2024 property taxes (current owner): $3,000/yr
Estimated taxes if purchased at asking price: ~$10,100/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
- Mar 25, 2025Listed$540,000
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 $245/sq ft; this home is listed at $300/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2924 Squirrel Court, Middleburg, FL 32068Listed by REAL BROKER LLC | May 2026 | $535,000 | $253 | 3/2 | 2,115 | 29 | 0.2 |
| 2781 Camel Circle, Middleburg, FL 32068Listed by KALLAM REALTY GROUP PLLC | Mar 2026 | $400,000 | $197 | 3/2 | 2,032 | 31 | 0.5 |
| 2961 Beaver Avenue, Middleburg, FL 32068Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jul 2026 | $362,500 | $247 | 3/2 | 1,469 | 116 | 0.6 |
| 3024 Longleaf Ranch Circle, Middleburg, FL 32068Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Jun 2026 | $415,000 | $240 | 4/2 | 1,728 | 12 | 0.6 |
| 4620 Burdock Court, Middleburg, FL 32068Listed by RESIDENTIAL WEALTH BUILDERS REALTY AND PROPERTY MANAGEMENT | Sep 2026 | $444,000 | $245 | 4/2 | 1,809 | 29 | 0.8 |
| 4665 Gopher Street, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Apr 2026 | $460,000 | $230 | 4/3 | 2,000 | 4 | 0.8 |
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
Interior
Exterior
Additional Information
Listing Courtesy of: RE/MAX SPECIALISTS
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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on May 30, 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines