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Sold·Closed Feb 27, 2026·148 days on market
1869 Lago Del Sur Drive
Middleburg, FL 32068
About this home
Middleburg
Help the nieghbors hate me This is a give away price Wow! add some paint/flooring few updates its a steal. Great END unit townhome in booming Clay County. Features 2 bedrooms up with living space downstairs Kitchen opens to a private rear patio with a nice grass area offering a wooded private space. Home is selling in AS IS condition hence the price. Needs primarily a cosmetic spruce up. Add your own design flair and makes this a showcase. End unit offfers privacy and a side yard. If seeking financing Sellers requires ALL financed offers obtain a prequalification from prefferred lender New Rez pls see documents for more. Special incentives may apply. ALL OFFERS must be loaded by an AGENT via Propoffers. Agents see below private remarks. NO SELLER FINANCED OFFERS SUCH OFFERS WILL NOT BE RESPONDED TO. NO LETTERS OF INTENT
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.
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 2002)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,628 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 homeThis 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest park or preserve
Sal Taylor Creek Preserveabout 10 mi · 4.6 mi of trails
Closest public boat ramp
Old Ferry Public Boat Ramp (aka. Rideout Ferry)about 1 mi · St. Johns River - Black Creek
Closest kayak & paddleboard launch
Doctors Lake Park Kayak Launchabout 4 mi · Doctors Lake
Closest youth league fields
Argyle Forest Parkabout 7 mi · Baseball, Softball
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
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 7:30 AM, sunset 6:54 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.
- 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
2024 property taxes (current owner): $2,111/yr
Estimated taxes if purchased at asking price: ~$2,400/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 $182/sq ft; this home is listed at $126/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1872 Lago Del Sur Drive, Middleburg, FL 32068Listed by ZEE LUXE REALTY INC | Feb 2026 | $195,000 | $154 | 2/2.5 | 1,264 | 70 | 0 |
| 3625 Prancer Point, Middleburg, FL 32068Listed by D R HORTON REALTY INC | Sep 2026 | $269,455 | $189 | 3/2.5 | 1,427 | 102 | 1.1 |
| 3621 Prancer Point, Middleburg, FL 32068Listed by D R HORTON REALTY INC | Aug 2026 | $259,440 | $182 | 3/2.5 | 1,427 | 106 | 1.1 |
| 3613 Prancer Point, Middleburg, FL 32068Listed by D R HORTON REALTY INC | Aug 2026 | $258,440 | $181 | 3/2.5 | 1,427 | 109 | 1.1 |
| 3597 Prancer Point, Middleburg, FL 32068Listed by D R HORTON REALTY INC | Aug 2026 | $279,440 | $196 | 3/2.5 | 1,427 | 108 | 1.1 |
| 3617 Prancer Point, Middleburg, FL 32068Listed by D R HORTON REALTY INC | Aug 2026 | $259,440 | $182 | 3/2.5 | 1,427 | 93 | 1.1 |
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: RE/MAX SPECIALISTS
Sold by: KELLER WILLIAMS FIRST COAST REALTY (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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Krista Fracke
Broker Associate
This home sold on Feb 27, 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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