Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·239 days on market

2084 Tickford Street

Middleburg, FL 32068

$369,900$189/sqftEst. $1,911/moMLS# 2124587

Beds

Baths

1,962

Sq Ft

1989

Built

Garage

Yes

Pool

About this home

Middleburg

BRING YOUR BEST OFFER! POOL HOME ON PREMIUM LOT! Incredible opportunity on a spacious corner lot offering enhanced privacy you won't find elsewhere in the neighborhood! Cool off with your own sparkling inground pool - perfect for entertaining or relaxing Florida evenings. This versatile 4-bedroom layout features one bedroom separated from the others - ideal for guests, home office, or multi-generational living. Enjoy multiple living spaces including formal living room, formal dining room, large family room with cozy fireplace, PLUS a bonus Florida room for year-round enjoyment. Exceptional updates include newer roof and A/C system for peace of mind and efficiency. Oversized laundry room provides functionality rarely found. Prime location off SR 220 near beloved Whitey's Fish Camp with convenient access to shopping and dining. This home checks all the boxes at an unbeatable price! Get in at this price and do your own updates the way you want them. Easy to show- schedule today.

Cost to own

Mortgage calculator

Home Price

$369,900

Down Payment: 20%

$73,980

Interest Rate: 6.71%

Loan Term

Monthly Payment

$1,911

Principal & Interest: $1,911

Property taxes (est.): $567

Insurance (est.): $247

Estimated Total Monthly

$2,725

*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

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.71% · 30yr$1,911

Property taxesest. at asking price, Clay County$567

Estimated total, before insurance$2,478/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$286,783	$0	—
2024	$283,416	$76,791	—
2023	$282,362	$72,807	—
2022	$257,532	$73,939	—
2021	$184,156	$70,184	—
2020	$179,306	$68,456	—

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.

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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 1989)

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

Sewer (public record) · Public water · Clay County Utilities

County records show this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,451 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