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Sold

Sold·Closed Jun 30, 2026·80 days on market

3760 Old Jennings Road B

Middleburg, FL 32068

$600,000sold priceListed at $645,000 · 93% of asking$335/sqftMLS# 2129121
3
Beds
2
Baths
1,792
Sq Ft
1970
Built
2
Garage
No
Pool
No HOA10.00 acresFarm1 story

About this home

Middleburg

The one you have waited for to experience the peaceful, country lifestyle . Tranquility like this is hard to find and the setting could not be more perfect . The farm is close to shopping , restaurants and healthcare but so quiet, just the wind and a bird song . It is walking distance to Jennings State Forest with hiking and riding trails . It is set up for a horse boarding and training facility, fully fenced in pasture, irrigation and fly system (AS IS) two barns, riding ring plus an almost 1800 sf 3/2 bath home . Return this property to its former glory as a lucrative boarding and training facility for Hunter Jumper or Dressage or make it your own sanctuary. Needs TLC and sold AS IS . Development potential to be verified by Buyer through their own due diligence .

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$3,323
Property taxesest. at asking price, Clay County$919
Estimated total, before insurance$4,243/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,780/yr · $232/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

$600,000
$120,000
Loan Term
Monthly Payment
$3,323
Principal & Interest: $3,323
Property taxes (est.): $920
Insurance (est.): $400
Estimated Total Monthly
$4,643
*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: Shingle — year not disclosed (home built 1970)

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

Solar potential: ~1,714 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.

Sun & Light

South-facing backyard — the year-round light lot

The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:27 AM, sunset 7:01 PM.

  • The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
  • A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
  • Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$287,167$155,509—
2024$262,751$141,663—
2023$206,496$129,221—
2022$188,799$117,510—
2021$174,736$106,828—
2020$170,832$29,000—

2025 property taxes (current owner): $2,780/yr

Estimated taxes if purchased at asking price: ~$11,000/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.

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 $190/sq ft; this home is listed at $360/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1721 Foggy Day Drive, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$365,000$1685/32,173690.5
1684 Night Owl Trail, Middleburg, FL 32068Listed by MAZEN HOMES, INC.Aug 2026$278,000$2183/21,278360.5
1513 Lantern Light Trail, Middleburg, FL 32068Listed by MOMENTUM REALTYJul 2026$290,000$1983/21,462140.5
1724 Austin Lake Way, Middleburg, FL 32068Listed by RE/MAX UNLIMITEDOct 2026$390,000$1854/32,112550.6
1733 Austin Lake Way, Middleburg, FL 32068Listed by ZUMOT REALTYOct 2026$385,000$1903/22,0252700.6
4122 Fishing Creek Lane, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$340,000$1893/21,795230.8

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$645,000
Price / Sq Ft$360
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,792
Total Structure Area3,284 sq ft
Acres10.00 acres
Year Built1970
TypeResidential
Sub-TypeFarm
StyleMulti Generational, Ranch
Property ConditionFixer
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesNorth

Community Information

Address3760 Old Jennings Road B, Middleburg, FL 32068
Area143-Foxmeadow Area
SubdivisionMiddleburg
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size435,600 sq ft
Lot Dimensions327 x 1332
Parcel Number25042400558400000
ZoningAgricultural

Amenities

UtilitiesCable Available, Electricity Available, Electricity Connected
SewerSeptic Tank
Water SourceWell
ParkingGarage, Garage Door Opener
ViewTrees/Woods, Other

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Vaulted Ceiling(s)
AppliancesDishwasher, Dryer, Electric Cooktop, Electric Range, Freezer, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringTile, Vinyl, Wood
# of Stories1
LevelsOne

Exterior

Exterior FeaturesImpact Windows
Lot DescriptionAgricultural, Cleared, Farm
Patio / PorchPatio
FencingFenced, Wire, Wood
RoofShingle
ConstructionFrame, Wood Siding
Other StructuresBarn(s), Shed(s), Stable(s)
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedApril 13, 2026
Days on Market80
Tax Amount$2,780.14
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST

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 30, 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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