Active·60 days on market
1605 Twin Oak Lane
Middleburg, FL 32068
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Middleburg
NEW ROOF installed July 2026. Four-Bedroom, Two-Bath Home in Middleburg with 1-Car Garage This charming home offers an open-concept layout perfect for all lifestyles. The primary suite features a jetted tub for added comfort and relaxation. Enjoy the fully fenced backyard--ideal for outdoor entertaining or simply enjoying the Florida weather. Schedule your showings today! One or more photos in this listing have been virtually staged.
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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 1994)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record) · Public water · Clay County Utilities
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,651 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 | $200,610 | $180,722 | — |
| 2024 | $188,950 | $164,293 | — |
| 2023 | $185,540 | $149,358 | — |
| 2022 | $161,244 | $135,780 | — |
| 2021 | $127,501 | $123,437 | — |
| 2020 | $118,811 | $112,216 | — |
2024 property taxes (current owner): $2,978/yr
Estimated taxes if purchased at asking price: ~$3,800/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 9, 2026Price change$204,900−$10,000
- Aug 21, 2026Price change$214,900−$5,000
- Aug 11, 2026Active$219,900
- Jul 28, 2026Pending$219,900
- Jul 2, 2026Listed$219,900
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 $222/sq ft; this home is listed at $163/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1571 Kingfisher Boulevard, Orange Park, FL 32065Listed by UNITED REAL ESTATE GALLERY | Jul 2026 | $249,000 | $207 | 3/2 | 1,202 | 55 | 0.2 |
| 3234 Dowitcher Lane, Orange Park, FL 32065Listed by JWB REALTY LLC | Jul 2026 | $264,900 | $222 | 3/2 | 1,195 | 51 | 0.4 |
| 3512 Alec Drive, Middleburg, FL 32068Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Sep 2026 | $227,000 | $175 | 3/2 | 1,300 | 137 | 0.9 |
| 1715 Saw Lake Drive, Middleburg, FL 32068Listed by UNITED REAL ESTATE GALLERY | Aug 2026 | $275,000 | $176 | 3/2 | 1,564 | 343 | 0.9 |
| 1769 Mickey Way, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Jul 2026 | $334,900 | $222 | 4/2 | 1,510 | 30 | 0.9 |
| 1873 Sue Meadow Lane, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Aug 2026 | $343,000 | $227 | 4/2 | 1,510 | 3 | 1 |
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: ENTERA 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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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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