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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 Apr 24, 2026·188 days on market

2457 Night Light Court

Middleburg, FL 32068

$388,000sold priceListed at $388,000 · 100% of asking$161/sqftMLS# 2108706
4
Beds
2
Baths
2,416
Sq Ft
1999
Built
2
Garage
No
Pool
HOA $58/mo11,761 sqft lotSingle Family Residence1 story

About this home

Middleburg

Welcome home to this beautiful 4-bedroom, 2-bath brick home on a corner lot in a gated community, just minutes from the Expressway for an easy NE Florida commute. Inside, enjoy a desirable split-bedroom floor plan, vaulted family room with fireplace, and formal living and dining rooms ideal for entertaining. The spacious kitchen features granite countertops, stainless steel appliances, and opens to an expansive sunroom—perfect for relaxing or afternoon reading. The primary suite offers dual vanities, a soaking tub, and walk-in closets. Outside, enjoy a screened patio, fenced backyard with mature trees, and a utility shed. Additional highlights include a covered car shed for extra parking or storage, laundry room with LG washer and dryer, garage with workbench, and security cameras that convey. Move-in ready with thoughtful updates throughout. Eligible for 100% FHA or USDA financing with preferred lender. See document tab for details.

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$2,149
Property taxesest. at asking price, Clay County$595
HOAbilled annually$58
Estimated total, before insurance$2,802/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,430/yr · $286/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

$388,000
$77,600
Loan Term
Monthly Payment
$2,149
Principal & Interest: $2,149
Property taxes (est.): $595
Insurance (est.): $259
Estimated Total Monthly
$3,002
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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: Shingle — year not disclosed (home built 1999)

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

Solar potential: ~1,780 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): $3,430/yr

Estimated taxes if purchased at asking price: ~$7,100/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.

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 $166/sq ft; this home is listed at $161/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2960 Tuscarora Trail, Middleburg, FL 32068Listed by WATSON REALTY CORPOct 2026$333,000$1654/22,016170.4
3291 Chimney Drive, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$335,000$1604/22,100780.4
2990 Tunica Trail, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYOct 2026$285,000$1614/21,770410.5
2982 Chief Ridaught Trail, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATESep 2026$328,000$1664/21,9751160.5
2995 Tuscarora Trail, Middleburg, FL 32068Listed by LOWEST FEE REALTY LLCAug 2026$315,500$1784/21,770460.6
3011 Angora Bay Drive, Middleburg, FL 32068Listed by FLORIDA LUXURY HOMESSep 2026$346,000$1734/22,0041020.7

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$388,000
Price / Sq Ft$161
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,416
Total Structure Area3,229 sq ft
Acres0.27 acres
Year Built1999
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo

School Information

ElementaryRideout
MiddleLake Asbury

Community Information

Address2457 Night Light Court, Middleburg, FL 32068
Area146-Middleburg-NE
SubdivisionVillages Of Fireside
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size11,761.2 sq ft
Parcel Number45052500898901128

Amenities

AmenitiesGated
Community FeaturesGated
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Carport, Garage, On Street

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Wood
# of Stories1
LaundryIn Unit
SecuritySmoke Detector(s)

Exterior

Lot DescriptionCorner Lot
Patio / PorchRear Porch, Screened
FencingFull, Vinyl
RoofShingle
ConstructionBrick
Other StructuresShed(s)
Road SurfacePaved
Road FrontageCity Street

Additional Information

Date ListedSeptember 14, 2025
Days on Market188
HOA Fees$700 / Annually
HOA FrequencyAnnually
Tax Amount$3,430.02
Tax Year2024
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

Sold by: FATHOM REALTY FL, LLC. (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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Apr 24, 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

Is this home priced right?

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