Sold·Closed Aug 12, 2026·138 days on market
5239 Peggy Lane
Middleburg, FL 32068
About this home
Middleburg
Discover the value and potential of this private country property situated on a 1-acre lot with no HOA or CDD fees. This 3-bedroom, 2-bath brick home offers a flexible opportunity for buyers looking to personalize a property, create multi-generational living space, invest in acreage, or enjoy the freedom of rural living with room to grow. Inside, the home features an open floor plan, updated kitchen and bathrooms, and a spacious layout designed for comfortable everyday living. The screened, heated in-ground pool provides year-round outdoor enjoyment, while the outdoor space offers endless possibilities for gardening, hobbies, RV or boat storage, workshop additions, and more. Additional features include a whole-home generator, security system, and attached two-car garage. Located on a private road in a peaceful setting, this property combines privacy, functionality, and long-term potential.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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: Shingle — year not disclosed (home built 1975)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · 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: ~1,369 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 homeAs 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard and pool on the south side. Today at this address: sunrise 7:27 AM, sunset 7:02 PM.
- 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.
- 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.
- 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
Last sold: $390,000 in August 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $321,206 | $236,373 | — |
| 2024 | $303,589 | $228,863 | — |
| 2023 | $275,596 | $220,596 | — |
| 2022 | $233,620 | $233,620 | — |
| 2021 | $191,959 | $25,999 | — |
| 2020 | $182,338 | $25,336 | — |
2025 property taxes (current owner): $4,125/yr
Estimated taxes if purchased at asking price: ~$7,500/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
- Aug 12, 2026Closed$399,000
- Jul 1, 2026Listed$399,000
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 $207/sq ft; this home is listed at $193/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1222 Lenda Lane, Middleburg, FL 32068Listed by LATITUDE 30 REALTY LLC | Jun 2026 | $425,000 | $207 | 3/2 | 2,052 | 4 | 0.6 |
| 1429 Wolf Trail, Middleburg, FL 32068Listed by CORE REALTY, LLC | Sep 2026 | $162,500 | $95 | 3/2 | 1,713 | 31 | 0.7 |
| 5214 CR 218, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLC | Jun 2025 | $345,000 | $230 | 3/2 | 1,500 | 41 | 1.1 |
| 1873 Openwoods Road, Middleburg, FL 32068Listed by ONE REALTY CORP | Aug 2025 | $475,000 | $209 | 4/3 | 2,272 | 32 | 1.3 |
| 1901 Peregrine Place, Middleburg, FL 32068Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Sep 2026 | $326,400 | $163 | 3/2 | 1,998 | 15 | 1.4 |
| 5310 Jacaranda Avenue, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATE | Jun 2026 | $285,000 | $183 | 4/2 | 1,560 | 5 | 1.4 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KALLAM REALTY GROUP PLLC
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 12, 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.
Northeast Florida living
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