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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 Aug 7, 2026·177 days on market

156 Horsetail Avenue

Middleburg, FL 32068

$164,900sold priceListed at $174,900 · 94.3% of asking$113/sqftMLS# 2124352
3
Beds
2
Baths
1,464
Sq Ft
1974
Built
1
Garage
No
Pool
FEMA Zone XNo HOA2.19 acresManufactured Home1 story

About this home

Middleburg

JUST OPEN THE FRONT DOOR AND ENTER A COUNTRY OASIS This home is located on 2.19 acres. It is a manufactured home on the exterior but Just open the front door to a beautiful country home.A Large living area welcomes you with upgraded walls and light wood laminate floors that are throughout the home and then a spacious Kitchen with all newer appliances and extra spsce for kitchen desk or breakfast nook. A formal dining area visible to the kitchen for convenience or could double as a family room. The cheery bright bedrooms for children or guests The hall bath is new, including the tub and vanity.. The huge Master bedroom features room for a king size bed and space for a sitting area The full bath displays a new tub and vanity. The electrical system has been entirely updated to include a new electrical box, and the HVAC unit is only approximately 4 or 5 years old. The home has drywall throughout that gives it the feel of a stick built home. T

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$913
Property taxesest. at asking price, Clay County$253
Estimated total, before insurance$1,166/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,855/yr · $155/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$164,900
$32,980
Loan Term
Monthly Payment
$913
Principal & Interest: $913
Property taxes (est.): $253
Insurance (est.): $110
Estimated Total Monthly
$1,276
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Other — year not disclosed (home built 1974)

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,295 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

Last sold: $135,000 in April 2024(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$98,118$98,118—
2024$67,881$0—
2023$60,977$0—
2022$49,673$867—
2021$38,104$492—
2020$35,610$459—

2025 property taxes (current owner): $1,855/yr

Estimated taxes if purchased at asking price: ~$3,000/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 4, 2026Closed$174,900
  • Aug 4, 2026Active Under Contract$174,900
  • Jan 9, 2026Listed$174,900

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 $220/sq ft; this home is listed at $119/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
128 Sesame Street, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$310,000$1813/21,716360.3
132 Mandrake Street, Middleburg, FL 32068Listed by DUVAL REALTY OF JAXJul 2026$110,000$683/21,607190.5
216 Yucca Street, Middleburg, FL 32068Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJun 2026$289,900$1633/21,78230.5
2471 Iris Street, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLCJun 2026$395,000$2393/21,651100.5
37 Azalea Avenue, Middleburg, FL 32068Listed by REAL BROKER LLCMay 2026$349,990$2203/21,593180.6
45 Mint Circle, Middleburg, FL 32068Listed by HASSLE-FREE REALTY LLCAug 2026$376,000$2514/21,496160.7

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$174,900
Price / Sq Ft$119
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,464
Acres2.19 acres
Year Built1974
TypeResidential
Sub-TypeManufactured Home
StyleContemporary
StatusClosed
# of Garages1
# of Carport Spaces2
Has PoolNo
Is WaterfrontNo

Community Information

Address156 Horsetail Avenue, Middleburg, FL 32068
Area141-Middleburg NW
SubdivisionJacksonville South
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size95,396.4 sq ft
Parcel Number09052400595325000

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingCarport, Detached Carport, Garage

Interior

Interior FeaturesEat-in Kitchen, Primary Bathroom -Tub with Separate Shower
AppliancesDishwasher, Electric Cooktop, Electric Water Heater, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringLaminate
# of Stories1
LaundryElectric Dryer Hookup

Exterior

FencingFenced, Full
RoofOther
Other StructuresWorkshop
Road SurfaceDirt

Additional Information

Date ListedSeptember 4, 2026
Days on Market177
Tax Amount$1,854.52
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REALTY MASTERS, INC.

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 Aug 7, 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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