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Sold·Closed Jun 3, 2025·24 days on market

4908 Calendula Avenue

Middleburg, FL 32068

$348,000sold priceListed at $348,000 · 100% of asking$187/sqftMLS# 2082770
3
Beds
2
Baths
1,862
Sq Ft
2007
Built
—
Garage
No
Pool
No HOA1.20 acresSingle Family Residence1 story

About this home

Middleburg

Nicely renovated 3 bedroom 2 bath 1862 sq ft home situated on a 1.2 acre lot !! NEW 2025 ROOF !! New HWH . This home is not in a subdivision so No HOA and NO CDD fees !!! Home has real wood kitchen cabinets and new countertops. New lighting and fans throughout. LVP flooring with carpeted bedrooms . Bathrooms have new fixtures , tile and countertops. Freshly painted inside and out. Home has cpvc pipes and 150 amp Siemens panel box. New driveway. Home is on well and septic . Fenced in back yard. Kitchen has stainless appliances. Vaulted ceilings throughout. Primary suite closet has built ins !! Bedrooms are huge !! Home has a huge back covered porch ( 40x20 ) great for entertaining !! Large fenced in backyard . Water softener !! Nice shed out back !! ( 11x11 ) White vinyl windows. Wood faux blinds. Knockdown ceilings !!

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$1,928
Property taxesest. at asking price, Clay County$533
Estimated total, before insurance$2,461/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,490/yr · $124/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$348,000
$69,600
Loan Term
Monthly Payment
$1,928
Principal & Interest: $1,928
Property taxes (est.): $533
Insurance (est.): $232
Estimated Total Monthly
$2,693
*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.

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 — 2025 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,720 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 home

This 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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $1,490/yr

Estimated taxes if purchased at asking price: ~$6,400/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

  • Apr 19, 2025Listed$348,000

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 $174/sq ft; this home is listed at $187/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2489 Cosmos Avenue, Middleburg, FL 32068Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$275,000$1214/22,280170.1
2388 Gardenia Avenue, Middleburg, FL 32068Listed by REAL BROKER LLCJun 2026$349,990$2203/21,593410.4
4835 Timothy Street, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATEJul 2026$142,000$954/21,50000.6
2549 Snapdragon Avenue, Middleburg, FL 32068Listed by WATSON REALTY CORPJul 2026$255,000$1693/21,51220.6
2963 Backwoods Drive, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLCJul 2026$345,000$1744/21,978950.9
2351 Daisy Street, Middleburg, FL 32068Listed by REAL BROKER LLCAug 2026$400,000$2214/21,811381.2

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$348,000
Price / Sq Ft$187
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,862
Acres1.20 acres
Year Built2007
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontNo

School Information

ElementaryWilkinson
MiddleWilkinson

Community Information

Address4908 Calendula Avenue, Middleburg, FL 32068
Area145-middleburg-SW
SubdivisionJacksonville South
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size52,272 sq ft
Lot Dimensions1.2 Acres
Parcel Number16052400595531000
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected, Other
SewerSeptic Tank
Water SourcePrivate, Other
ParkingOther, Detached

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Patio / PorchCovered, Rear Porch
FencingBack Yard, Wood
RoofShingle

Additional Information

Date ListedApril 19, 2025
Days on Market24
Tax Amount$1,490.2
Tax Year2024
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

Sold by: COLDWELL BANKER VANGUARD REALTY (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 Jun 3, 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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