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Active

Active·334 days on market

4122 Becky Street

Middleburg, FL 32068

$38,500MLS# 2114601
$15,500 below original list
0
Beds
0
Baths
0
Sq Ft
Built
Garage
No
Pool
FEMA Zone XNo HOA1.24 acresUnimproved Land

About this home

Middleburg

4122 Becky Street is a sizable 1.46 acre vacant lot in the Middleburg, FL area. It offers a blank-canvas opportunity for building a home or investment project in a more spacious, semi-rural setting. BUYER MUST do your due diligence TO ENSURE THE LOT MEETS YOUR INTENDED USE.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$38,500
$7,700
Loan Term
Monthly Payment
$204
Principal & Interest: $204
Property taxes (est.): $59
Insurance (est.): $26
Estimated Total Monthly
$289
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone SPBC

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: material not specified

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

Solar potential: ~1,382 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As 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

YearMarket valueTaxable valueChange
2025$36,500$16,030
2024$36,500$14,573
2023$36,500$13,249
2022$17,520$12,045
2021$10,950$10,950
2020$10,950$10,950

2024 property taxes (current owner): $356/yr

Estimated taxes if purchased at asking price: ~$700/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 11, 2026Price change$38,500$4,000
  • Aug 21, 2026Active$42,500
  • Aug 14, 2026Price change$42,500$7,000
  • Jul 24, 2026Active Under Contract$49,500
  • Jul 9, 2026Price change$49,500$4,500
  • Oct 23, 2025Listed$54,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$38,500
Bedrooms0
Bathrooms0.00
Full Baths0
Acres1.24 acres
TypeLand
Sub-TypeUnimproved Land
StatusActive
Has PoolNo
Is WaterfrontNo

School Information

ElementaryShadowlawn
MiddleLake Asbury
HighMiddleburg

Community Information

Address4122 Becky Street, Middleburg, FL 32068
Area144-Middleburg-SE
SubdivisionOsceola Forest
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size54,014.4 sq ft
Parcel Number26052400659301100
ZoningResidential

Amenities

UtilitiesCable Not Available, Electricity Not Available, Water Not Available
Water SourceNone

Exterior

Lot DescriptionAgricultural, Corner Lot, Wooded
Road SurfaceDirt
Road FrontageCity Street

Additional Information

Date ListedOctober 23, 2025
Days on Market323
Tax Amount$355.5
Tax Year2024
Listing TermsCash, USDA Loan
55+ CommunityNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY · thabte33@gmail.com

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

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20+ years · 500+ closings · NE Florida

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