Active Under Contract·520 days on market
2995 Thunder Road
Middleburg, FL 32068
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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Middleburg
Discover Your Own Slice of Country Paradise! Welcome to this 59.81-acre gem nestled in the heart of Middleburg, FL., This expansive property offers the blend of agricultural opportunity and tranquil living, featuring an established blueberry farm, valuable timer acreage, and a spacious 3-story residence, includes 2 kitchens, all surrounded by natural beauty. Making it ideal for agricultural use, a private family retreat, or future development. The home offers plenty of ample space for family gatherings as well as has 2 private balconies to enjoy the scenery. Behind the home is a 2-car garage with ample space for all your storage needs. There also is a separate detached 4-car garage providing ample space for equipment, vehicles, or workshop needs. With plenty of open pasture, room for grazing, it's an ideal setting for raising cattle, horses or other livestock. Enjoy wide-open spaces, natural beauty and this unique property is ready to make your vision a reality!
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.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone SPBC
Check floridadisaster.org/knowyourzone for what this designation means locally.
Roof: Metal — year not disclosed (home built 1990)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,696 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 homeAs of July 2026, 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $811,179 | $297,194 | — |
| 2024 | $807,904 | $293,231 | — |
| 2023 | $629,857 | $277,584 | — |
| 2022 | $588,289 | $254,505 | — |
| 2021 | $486,373 | $232,577 | — |
| 2020 | $480,427 | $226,631 | — |
2024 property taxes (current owner): $4,761/yr
Estimated taxes if purchased at asking price: ~$46,000/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 (2025), NEFMLS.
History
Price & status history
- May 14, 2025Listed$2,499,000
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 $177/sq ft; this home is listed at $1,125/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3519 County Road 218, Middleburg, FL 32068Listed by WATSON REALTY CORP | Aug 2026 | $650,000 | $292 | 3/2.5 | 2,227 | 92 | 0.7 |
| 3215 Robin Lane, Middleburg, FL 32068Listed by WATSON REALTY CORP | Aug 2026 | $220,000 | $122 | 3/2 | 1,800 | 4 | 0.8 |
| 3005 Sunset Ridge Drive, Middleburg, FL 32068Listed by LOKATION | Sep 2026 | $330,000 | $177 | 3/2 | 1,865 | 185 | 1.1 |
| 2725 Ravine Hill Drive, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $340,000 | $149 | 4/2.5 | 2,280 | 129 | 1.3 |
| 2978 Ravine Hill Drive, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLC | Jul 2026 | $341,500 | $186 | 4/2.5 | 1,836 | 139 | 1.3 |
| 3114 Zeyno Drive, Middleburg, FL 32068Listed by KALLAM REALTY GROUP PLLC | Sep 2026 | $281,500 | $175 | 3/2 | 1,608 | 149 | 1.4 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXP 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.
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Your Local Realtor
Krista Fracke
Broker Associate
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