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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

Sold·Closed May 28, 2026·289 days on market

4859 Kalmia Circle

Middleburg, FL 32068

$200,000sold priceListed at $254,400 · 78.6% of asking$81/sqftMLS# 2098474
3
Beds
2
Baths
2,478
Sq Ft
1995
Built
—
Garage
No
Pool
No HOA1.24 acresManufactured Home1 story

About this home

Middleburg

Spacious 3 Bedroom, 2 Bath Triple Wide with Fireplace, Flex Room & Outdoor Living! Welcome home to this beautifully maintained triple wide manufactured home, offering 3 spacious bedrooms and 2 full bathrooms in a well-designed open concept layout. The heart of the home features a large living area with a cozy fireplace, perfect for relaxing or entertaining, and flows effortlessly into the kitchen with a breakfast nook—ideal for casual dining or morning coffee. A versatile flex room provides endless possibilities—use it as a home office, playroom, or hobby space. The expansive primary suite is a true retreat, complete with a luxurious en-suite bath and direct access to the rear deck, perfect for unwinding in privacy. Enjoy the outdoors with both a front and rear deck, ideal for entertaining or soaking in the peaceful surroundings. A storage shed offers plenty of room for tools and outdoor gear, and you'll appreciate the convenience of two detached carports to protect

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$1,108
Property taxesest. at asking price, Clay County$306
Estimated total, before insurance$1,414/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,652/yr · $304/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

$200,000
$40,000
Loan Term
Monthly Payment
$1,108
Principal & Interest: $1,108
Property taxes (est.): $307
Insurance (est.): $133
Estimated Total Monthly
$1,548
*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: Membrane — year not disclosed (home built 1995)

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

Solar potential: ~1,395 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:27 AM, sunset 7:02 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
  • The front of the home carries the hot western afternoon instead of your living space.

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

YearMarket valueTaxable valueChange
2025$235,004$235,004—
2024$222,167$217,456—
2023$197,688$197,688—
2022$147,710$0—
2021$109,585$0—
2020$96,315$0—

2024 property taxes (current owner): $3,652/yr

Estimated taxes if purchased at asking price: ~$3,700/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.

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 $199/sq ft; this home is listed at $103/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4871 Gopher Circle, Middleburg, FL 32068Listed by KELLER WILLIAMS ST JOHNSJul 2026$575,000$2933/2.51,96110.6
4824 Dale Court, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLCSep 2026$450,000$1994/32,264730.7
2781 Camel Circle, Middleburg, FL 32068Listed by KALLAM REALTY GROUP PLLCMar 2026$400,000$1973/22,032310.8
5041 Kalmia Street, Middleburg, FL 32068Listed by REAL BROKER LLCDec 2025$394,900$2154/21,835950.8
4620 Hedgehog Street, Middleburg, FL 32068Listed by REAL BROKER LLCAug 2026$474,900$1525/3.53,12660.9
2963 Backwoods Drive, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLCJul 2026$345,000$1744/21,978950.9

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$254,400
Price / Sq Ft$103
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,478
Total Structure Area2,582 sq ft
Acres1.24 acres
Year Built1995
TypeResidential
Sub-TypeManufactured Home
StyleOther
StatusClosed
# of Carport Spaces2
Has PoolNo
Is WaterfrontNo
Direction FacesWest

School Information

ElementaryWilkinson
MiddleWilkinson

Community Information

Address4859 Kalmia Circle, Middleburg, FL 32068
Area145-middleburg-SW
SubdivisionBlack Creek Park
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size54,014.4 sq ft
Lot Dimensions224 X 238
Parcel Number32052400669857300
ZoningAgricultural

Amenities

UtilitiesCable Available, Electricity Connected
SewerSeptic Tank
Water SourceWell
ParkingDetached Carport
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesConvection Oven, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingHeat Pump
CoolingCentral Air
FlooringCarpet, Laminate, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Lot DescriptionAgricultural, Cleared
Patio / PorchDeck, Front Porch, Rear Porch
FencingBack Yard, Wire
RoofMembrane
ConstructionVinyl Siding
Other StructuresShed(s)
Road SurfaceDirt
Road FrontageCounty Road

Additional Information

Date ListedMarch 1, 2026
Days on Market289
Tax Amount$3,652.32
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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 May 28, 2026. 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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