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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·Closed Mar 27, 2026·53 days on market

4561 Chipmunk Road

Middleburg, FL 32068

$350,000sold priceListed at $359,990 · 97.2% of asking$283/sqftMLS# 2124529
3
Beds
2
Baths
1,238
Sq Ft
1986
Built
1
Garage
Yes
Pool
No HOA1.10 acresSingle Family Residence1 story

About this home

Middleburg

Fully remodeled home on a beautifully cleared 1-acre lot featuring an in-ground pool. This property has been completely updated from top to bottom, including a new metal roof with spray-foam insulated attic, full electrical rewire, and all-new plumbing. The interior offers new drywall, fresh paint, new flooring, updated light fixtures, and an open floor plan ideal for modern living. The brand-new kitchen and fully renovated bathroom are complemented by all new windows and doors, and a one-car garage adds convenience. Move-in ready with major upgrades already completed—perfect for buyers wanting space, privacy, and peace of mind.

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$1,939
Property taxesest. at asking price, Clay County$536
Estimated total, before insurance$2,475/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,758/yr · $313/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

$350,000
$70,000
Loan Term
Monthly Payment
$1,939
Principal & Interest: $1,939
Property taxes (est.): $536
Insurance (est.): $233
Estimated Total Monthly
$2,708
*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.

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: Metal — year not disclosed (home built 1986)

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

Solar potential: ~1,629 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 home

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

2025 property taxes (current owner): $3,758/yr

Estimated taxes if purchased at asking price: ~$6,400/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, NEFMLS.

History

Price & status history

  • Jan 9, 2026Listed$359,990

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 $247/sq ft; this home is listed at $291/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4568 Chipmunk Road, Middleburg, FL 32068Listed by WATSON REALTY CORPOct 2025$324,500$2413/21,344230.1
2961 Beaver Avenue, Middleburg, FL 32068Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJul 2026$362,500$2473/21,4691160.6
4655 Plantain Avenue, Middleburg, FL 32068Listed by DJ & LINDSEY REAL ESTATEMar 2026$100,000$1093/2920350.6
4583 Alligator Boulevard, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLCAug 2026$258,000$2882/1896530.8
2694 Poinsettia Avenue, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$311,000$2513/21,240180.9
4835 Timothy Street, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATEJul 2026$142,000$954/21,50001.2

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$359,990
Price / Sq Ft$291
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,238
Total Structure Area1,654 sq ft
Acres1.10 acres
Year Built1986
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages1
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo

Community Information

Address4561 Chipmunk Road, Middleburg, FL 32068
Area145-middleburg-SW
SubdivisionBlack Creek Park
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size47,916 sq ft
Parcel Number35052400670009700

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourcePrivate, Well
Green / EnergyAppliances, Insulation, Lighting, Roof, Windows
ParkingAdditional Parking, Garage
ViewPool

Interior

AppliancesConvection Oven, Dishwasher, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringVinyl
# of Stories1
LevelsOne

Exterior

Lot DescriptionAgricultural
RoofMetal
ConstructionVinyl Siding
Road SurfacePaved
Road FrontageCounty Road

Additional Information

Date ListedJanuary 10, 2026
Days on Market53
Tax Amount$3,758.43
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXIT INSPIRED REAL ESTATE

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 Mar 27, 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.

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20+ years · 500+ closings · NE Florida

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