Sold·Closed Aug 3, 2026·208 days on market
3916 Cloverdale Court
Middleburg, FL 32068
About this home
Middleburg
You need to see this stunning 4-bedroom, 3 bath home with an open and inviting floor plan. Built in 2022 and shows like new condition with lots of upgrades. Beautiful kitchen with quartz countertops, farmhouse sink, and plenty of cabinet space. Elegant built-in wall unit adds warmth and sophistication to the room with decorative molding and generous shelving. The adjoining dining and living area flow seamlessly into a screened lanai and serene backyard overlooking a pond. Create your own private oasis right in your backyard. The primary suite is complete with double vanity, quartz countertop and two custom built walk in closets. Community perks include a resort-style pool, pickleball courts, gym, and playground, with premier shopping, dining, and golf just moments away. Schedule your private tour today! CDD IS INCLUDED IN THE PROPERTY TAXES!
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 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,761 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.
Cost to own
Taxes & assessment
Last sold: $365,900 in June 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $327,629 | $276,907 | — |
| 2024 | $327,598 | $276,076 | — |
| 2023 | $335,255 | $266,579 | — |
| 2022 | $50,000 | $50,000 | — |
| 2021 | $12,000 | $12,000 | — |
2024 property taxes (current owner): $7,782/yr
Estimated taxes if purchased at asking price: ~$6,800/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.
History
Price & status history
- Aug 3, 2026Closed$369,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $175/sq ft; this home is listed at $182/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 547 Tynes Boulevard, Middleburg, FL 32068Listed by EAGLES WORLD REALTY, INC | Sep 2026 | $325,000 | $190 | 3/2.5 | 1,715 | 101 | 0.3 |
| 1452 Shadow Creek Drive, Orange Park, FL 32065Listed by MOMENTUM REALTY | Aug 2026 | $435,000 | $170 | 3/2.5 | 2,561 | 89 | 0.4 |
| 618 Briar View Drive, Orange Park, FL 32065Listed by WATSON REALTY CORP | Aug 2026 | $325,000 | $175 | 3/2 | 1,852 | 37 | 0.6 |
| 4588 Golf Brook Road, Orange Park, FL 32065Listed by EXP REALTY LLC | Oct 2026 | $375,300 | $151 | 4/3 | 2,492 | 93 | 0.8 |
| 3971 White Pelican Way, Middleburg, FL 32068Listed by NAVY TO NAVY HOMES LLC | Sep 2026 | $330,000 | $181 | 4/2 | 1,822 | 94 | 1.1 |
| 656 Chestwood Chase Drive, Orange Park, FL 32065Listed by ALL REAL ESTATE OPTIONS INC | Aug 2026 | $364,900 | $154 | 4/3 | 2,377 | 102 | 1.3 |
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: 904 REALTY LLC
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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 3, 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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