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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 Jun 26, 2026·167 days on market

1684 Freedom Drive

Middleburg, FL 32068

$276,000sold priceListed at $272,000 · 101.5% of asking$176/sqftMLS# 2125255
4
Beds
2
Baths
1,568
Sq Ft
1997
Built
—
Garage
No
Pool
No HOA2.20 acresManufactured Home1 story

About this home

Middleburg

4 beds. 2 baths. 2+ acres. No HOA. The space you want with the freedom you need. Set on 2.16 usable acres, this well-designed 4-bedroom home offers comfortable, functional living with a spacious kitchen that easily handles both everyday routines and gatherings. The front acre is cleared and fully fenced, providing immediate usability, while the additional acreage behind the home opens the door to homesteading, animals, workshops, recreation, or future expansion. An established garden area is already in place, giving you a head start on growing your own vegetables, herbs, or flowers. With no HOA restrictions, you have the flexibility to truly make this property your own. Enjoy privacy, open space, and country living while remaining conveniently close to daily essentials. A rare opportunity to own acreage that works as hard as you do.

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$1,529
Property taxesest. at asking price, Clay County$423
Estimated total, before insurance$1,952/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,736/yr · $228/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

$276,000
$55,200
Loan Term
Monthly Payment
$1,529
Principal & Interest: $1,529
Property taxes (est.): $423
Insurance (est.): $184
Estimated Total Monthly
$2,136
*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 1997)

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

Solar potential: ~1,604 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

Last sold: $250,000 in March 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$227,012$145,321—
2024$200,237$150,237—
2023$185,431$82,734—
2022$149,082$83,077—
2021$92,997$92,522—
2020$84,250$84,111—

2025 property taxes (current owner): $2,736/yr

Estimated taxes if purchased at asking price: ~$5,100/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

  • Jul 17, 2026Closed$272,000

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 $164/sq ft; this home is listed at $173/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1901 Peregrine Place, Middleburg, FL 32068Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYSep 2026$326,400$1633/21,998150.4
147 Melanie Lane, Middleburg, FL 32068Listed by DISCOVER REALTY INCMar 2026$229,900$1713/21,344760.6
79 Melanie Lane, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATESep 2026$325,000$1644/21,976640.7
1886 Gentle Breeze Road, Middleburg, FL 32068Listed by JPAR CITY AND BEACHSep 2026$299,000$1784/21,68080.7
2183 Maluke Lane, Middleburg, FL 32068Listed by EXP REALTY LLCJul 2026$155,000$1083/21,440670.7
2203 Mallard Road, Middleburg, FL 32068Listed by ONE SOTHEBY'S INTERNATIONAL REALTYSep 2026$289,000$1493/31,937340.8

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$272,000
Price / Sq Ft$173
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,568
Total Structure Area1,568 sq ft
Acres2.20 acres
Year Built1997
TypeResidential
Sub-TypeManufactured Home
StatusClosed
Has PoolNo
Is WaterfrontNo

School Information

ElementaryWilkinson
MiddleWilkinson

Community Information

Address1684 Freedom Drive, Middleburg, FL 32068
Area141-Middleburg NW
SubdivisionDeerwood Acres
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size95,832 sq ft
Lot Dimensions150 X 625
Parcel Number06052400594700621
ZoningAgricultural

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingOther

Interior

AppliancesConvection Oven, Disposal, Electric Range, Electric Water Heater
HeatingCentral
CoolingCentral Air
FlooringVinyl
# of Stories1

Exterior

Lot DescriptionWooded
Patio / PorchFront Porch
RoofMetal
Road SurfaceDirt

Additional Information

Date ListedJanuary 15, 2026
Days on Market167
Tax Amount$2,735.8
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REAL BROKER 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 26, 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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