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Sold·Closed Jul 29, 2025·43 days on market
3228 Deer Creek Drive
Middleburg, FL 32068
About this home
Middleburg
Open House Saturday June 28th 11:00-1:00. Step inside to a bright and open floorplan designed for modern living. Features include a split bedroom layout, open Family room with vaulted ceiling, primary suite with garden bath, separate shower, and large walk in closet, LVP flooring throughout the main living areas, plus eat in kitchen with granite counters and stainless appliances. The back yard offers a large covered patio, multi level decking surrounding a sparkling above ground pool, a cozy firepit area, and built in horse shoe pits, creating the ideal setting for entertaining and fun. The community amenities include a large playground and picnic area, dog park and scenic nature trail with low HOA and NO CDD! Great location, close to highly rated Clay County schools, Restaurants and shopping.
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 2015)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,775 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.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $2,345/yr
Estimated taxes if purchased at asking price: ~$6,100/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
- May 16, 2025Listed$335,000
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 $191/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3114 Zeyno Drive, Middleburg, FL 32068Listed by KALLAM REALTY GROUP PLLC | Sep 2026 | $281,500 | $175 | 3/2 | 1,608 | 149 | 0.1 |
| 3215 Ginny Lake Drive, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $335,000 | $208 | 3/2 | 1,608 | 10 | 0.1 |
| 2978 Ravine Hill Drive, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLC | Jul 2026 | $341,500 | $186 | 4/2.5 | 1,836 | 139 | 0.2 |
| 3967 Lake Crest Terrace, Middleburg, FL 32068Listed by FREEDOM REALTY GROUP LLC | Sep 2026 | $347,500 | $153 | 4/3 | 2,274 | 96 | 0.3 |
| 2725 Ravine Hill Drive, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $340,000 | $149 | 4/2.5 | 2,280 | 129 | 0.3 |
| 3005 Sunset Ridge Drive, Middleburg, FL 32068Listed by LOKATION | Sep 2026 | $330,000 | $177 | 3/2 | 1,865 | 185 | 0.4 |
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: COLDWELL BANKER VANGUARD REALTY
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
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 29, 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.
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