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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 Nov 21, 2025·4 days on market

4174 Clove Street

Middleburg, FL 32068

$90,000sold priceListed at $90,000 · 100% of askingMLS# 2114091
0
Beds
0
Baths
0
Sq Ft
—
Built
—
Garage
No
Pool
No HOA1.31 acresUnimproved Land

About this home

Middleburg

ATTENTION! Builders, General Contractors & Investors. This rural/urban VACANT CORNER LOT. NO HOA or CDD located in a developed area and minutes away from Major Shopping & Excellent Schools. Positioned in a perfect setting offering an amazing opportunity to build a home, build to establish rental income, or to invest in land for future possibilities. (Residential Homes Only), No need to look any further!! VA and FHA used with new construction. Please schedule a showing TODAY. Thank you!

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$499
Property taxesest. at asking price, Clay County$138
Estimated total, before insurance$636/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

$90,000
$18,000
Loan Term
Monthly Payment
$499
Principal & Interest: $499
Property taxes (est.): $138
Insurance (est.): $60
Estimated Total Monthly
$696
*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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

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.

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.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4170 Steven Arthur Drive, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLCSep 2025$139,900—0/0—1620.6
4501 Tarragon Avenue, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJun 2026$65,000—0/0—350.8
3923 Skipper Road, Middleburg, FL 32068Listed by NUBUILD LLCSep 2026$96,000—0/0—900.9
3216 Mill Creek Road, Middleburg, FL 32068Listed by COLDWELL BANKER SMITH AND SMITH REALTYMar 2026$82,000—0/0—320.9
0 Anchor Road, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLCJul 2025$89,000—0/0—941.2
4534 Magnolia Street, Middleburg, FL 32068Listed by UNLOCK REALTY GROUP LLCSep 2026$80,000—0/0—121.8

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$90,000
Bedrooms0
Bathrooms0.00
Full Baths0
Acres1.31 acres
TypeLand
Sub-TypeUnimproved Land
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address4174 Clove Street, Middleburg, FL 32068
Area144-Middleburg-SE
SubdivisionBlack Creek Park
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size57,063.6 sq ft
Parcel Number35052400669964600

Amenities

UtilitiesOther
SewerSeptic Tank
Water SourceWell

Exterior

Lot DescriptionCorner Lot
Road SurfacePaved

Additional Information

Date ListedOctober 20, 2025
Days on Market4
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo

Listing Courtesy of: WATSON REALTY CORP

Sold by: THOMAS R RHODEN AGENCY, INC (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 Nov 21, 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

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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