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Sold·Closed Sep 5, 2025·82 days on market

2708 Poinsettia Avenue

Middleburg, FL 32068

$500,000sold priceListed at $500,000 · 100% of asking$258/sqftMLS# 2089889
5
Beds
5
Baths
1,936
Sq Ft
1991
Built
2
Garage
Yes
Pool
No HOA1.13 acresSingle Family Residence2 stories

About this home

Middleburg

Welcome to your dream estate in the heart of Middleburg! Set on just over an acre with no HOA or CDD, this versatile property features a 4-bed, 3-bath main home plus a private guest suite with a large primary bedroom and 2 full baths—ideal for extended family or rental income. Enjoy a saltwater pool, firewood enclosure, brand-new chicken coop, workshop, and pole barn with space for RVs, boats, or projects. With a 50-year metal roof and well-maintained systems, this home offers comfort, charm, and lasting value. Primary home: 1936 sq ft Guest suite: 780 sq ft Price per square ft: $184/sqft

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$2,770
Property taxesest. at asking price, Clay County$766
Estimated total, before insurance$3,536/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,219/yr · $185/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

$500,000
$100,000
Loan Term
Monthly Payment
$2,770
Principal & Interest: $2,770
Property taxes (est.): $766
Insurance (est.): $333
Estimated Total Monthly
$3,869
*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: Metal — year not disclosed (home built 1991)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,678 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): $2,219/yr

Estimated taxes if purchased at asking price: ~$9,200/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 28, 2025Listed$500,000

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 $213/sq ft; this home is listed at $258/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2774 Tansy Avenue, Middleburg, FL 32068Listed by CROSSVIEW REALTYJul 2026$450,000$2463/21,832500.5
4653 Calendula Avenue, Middleburg, FL 32068Listed by MOXII PRO REALTYJul 2026$312,000$1374/22,27841
2621 Indigo Avenue, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLCJun 2026$470,200$2084/32,264181.1
2482 Oleander Avenue, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLCAug 2026$394,000$1973/22,0001111.2
4355 Longmire Road, Middleburg, FL 32068Listed by REAL BROKER LLCAug 2026$299,990$2134/21,4101501.2
2414 Daisy Street, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLCJul 2026$348,000$2303/21,512351.2

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$500,000
Price / Sq Ft$258
Bedrooms5
Bathrooms5.00
Full Baths5
Square Footage1,936
Acres1.13 acres
Year Built1991
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
# of Carport Spaces4
Has PoolYes
Pool FeaturesIn Ground, Fenced
Is WaterfrontNo

Community Information

Address2708 Poinsettia Avenue, Middleburg, FL 32068
Area144-Middleburg-SE
SubdivisionBlack Creek Park
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size49,222.8 sq ft
Parcel Number35052400669990100

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingAdditional Parking, Attached, Carport, Detached, Garage, RV Access/Parking, Other

Interior

Interior FeaturesCeiling Fan(s), Guest Suite, Primary Bathroom - Tub with Shower, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Electric Cooktop, Electric Oven, Electric Range, Freezer, Refrigerator
HeatingCentral
CoolingCentral Air
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories2
SecuritySecurity System Owned

Exterior

Lot DescriptionFarm, Sprinklers In Front
Patio / PorchCovered, Front Porch, Wrap Around
RoofMetal
ConstructionOther, Fiber Cement
Other StructuresGuest House, Shed(s), Workshop
Road SurfaceAsphalt

Additional Information

Date ListedMay 28, 2025
Days on Market82
Tax Amount$2,218.68
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY

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 Sep 5, 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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20+ years · 500+ closings · NE Florida

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