Sold·Closed Sep 18, 2026·293 days on market
4949 Kalmia Street
Middleburg, FL 32068
About this home
Middleburg
As Seen on Extreme Makeover: Home Edition! Luxury Acreage Living in Northeast Florida Discover a rare opportunity to own a nationally recognized home in Middleburg, Florida, part of the Greater Jacksonville area, one of the fastest growing luxury markets in the Southeast. Located just 30 minutes from downtown Jacksonville and 45 minutes to the Atlantic beaches, this 3,324 sq ft, 4 bedroom, 3 bathroom estate on 1.18 acres offers the perfect balance of privacy, design, and location. Designed with a Pacific Island inspired aesthetic, this property combines resort style tranquility with Florida practicality. The open air koi pond courtyard connects each living space with natural light and lush views. Inside, you'll find Bermuda shutters, diagonally laid bamboo floors, Thermador appliances, vaulted ceilings, and a chef's island kitchen that anchors the great room and dining space. The primary suite feels like a private spa retreat with a soaking tub, glass enclosed
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle, Other — year not disclosed (home built 2011)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,721 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:29 AM, sunset 6:58 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $778,827 | $242,657 | — |
| 2024 | $761,172 | $235,111 | — |
| 2023 | $732,685 | $226,807 | — |
| 2022 | $649,528 | $218,745 | — |
| 2021 | $490,868 | $210,918 | — |
| 2020 | $474,184 | $207,316 | — |
2024 property taxes (current owner): $4,044/yr
Estimated taxes if purchased at asking price: ~$12,600/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
- Sep 19, 2026Closed$699,900
- Aug 3, 2026Active Under Contract$699,900
- Mar 26, 2026Listed$699,900
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 $152/sq ft; this home is listed at $211/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4859 Kalmia Circle, Middleburg, FL 32068Listed by WATSON REALTY CORP | May 2026 | $200,000 | $81 | 3/2 | 2,478 | 289 | 0.4 |
| 4620 Hedgehog Street, Middleburg, FL 32068Listed by REAL BROKER LLC | Aug 2026 | $474,900 | $152 | 5/3.5 | 3,126 | 6 | 1.2 |
| 4415 Tall Pines Lane, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $439,900 | $178 | 5/3 | 2,471 | 63 | 1.6 |
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: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY
Sold by: WATSON REALTY CORP (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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 18, 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.
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.
Northeast Florida living
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