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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 Oct 10, 2025·23 days on market

4568 Chipmunk Road

Middleburg, FL 32068

$324,500sold priceListed at $324,500 · 100% of asking$241/sqftMLS# 2104214
3
Beds
2
Baths
1,344
Sq Ft
1987
Built
—
Garage
No
Pool
No HOA1.08 acresSingle Family Residence1 story

About this home

Middleburg

New Professional Photos!! Rural living amazing home with all the perks, on a paved road WHAT ARE YOU WAITING FOR?! Over an acre, fenced back yard, 3 yr old roof, 2024 hot water heater, HE/SHE Shed with AC, power and water, shed for lawnmowers, Newer shed with power and roll garage door, GENERAC Generator for full home power, and there is more! The home has beautiful floors, nice kitchen and baths, good size bedrooms and a large screened in enclosure to enjoy your beautiful backyard. Washer, Dryer and Dishwasher purchased Jan 2025. Hope to see you soon!

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$1,797
Property taxesest. at asking price, Clay County$497
Estimated total, before insurance$2,295/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$324,500
$64,900
Loan Term
Monthly Payment
$1,797
Principal & Interest: $1,797
Property taxes (est.): $497
Insurance (est.): $216
Estimated Total Monthly
$2,511
*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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$214,229$551—
2024$207,311$0—
2023$193,388$0—
2022$169,560$0—
2021$130,938$0—
2020$127,799$0—

2024 property taxes (current owner): $465/yr

Estimated taxes if purchased at asking price: ~$6,000/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 $247/sq ft; this home is listed at $241/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4561 Chipmunk Road, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATEMar 2026$350,000$2833/21,238530.1
2961 Beaver Avenue, Middleburg, FL 32068Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJul 2026$362,500$2473/21,4691160.7
3024 Longleaf Ranch Circle, Middleburg, FL 32068Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEJun 2026$415,000$2404/21,728120.7
2694 Poinsettia Avenue, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$311,000$2513/21,240180.8
4881 Chickpea Street, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLCJun 2026$373,000$2303/21,621261.1
2510 Primrose Avenue, Middleburg, FL 32068Listed by SMILEEHOUSE AUCTION CO LLCApr 2026$250,000$1723/21,456181.1

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

Price$324,500
Price / Sq Ft$241
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,344
Acres1.08 acres
Year Built1987
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address4568 Chipmunk Road, Middleburg, FL 32068
Area145-middleburg-SW
SubdivisionBlack Creek Park
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size47,044.8 sq ft
Parcel Number35052400670002200

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingDetached

Interior

Interior FeaturesCeiling Fan(s), Primary Bathroom - Tub with Shower
AppliancesDishwasher, Dryer, Electric Oven, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne

Exterior

Patio / PorchFront Porch, Patio, Screened
FencingBack Yard
Other StructuresShed(s), Workshop
Road SurfacePaved

Additional Information

Date ListedAugust 16, 2025
Days on Market23
Tax Amount$465.48
Tax Year2024
Listing TermsCash, Conventional, FHA, USDA Loan, 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 Oct 10, 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

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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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