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Active

Active·320 days on market

4122 Becky Street

Middleburg, FL 32068

$42,500MLS# 2114601

Beds

Baths

Sq Ft

—

Built

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Garage

Pool

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.

Cost to own

Mortgage calculator

Home Price

$42,500

Down Payment: 20%

$8,500

Interest Rate: 6.71%

Loan Term

Monthly Payment

$220

Principal & Interest: $220

Property taxes (est.): $65

Insurance (est.): $28

Estimated Total Monthly

$313

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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

Year	Market value	Taxable value	Change
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: ~$800/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.

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.

History