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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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Active

Active·87 days on market

5110 Huntington Court

Middleburg, FL 32068

$275,000$129/sqftEst. $1,523/moMLS# 2131066
↓ $5,000 below original list
4
Beds
2
Baths
2,128
Sq Ft
2018
Built
—
Garage
No
Pool
FEMA Zone XNo HOA2.11 acresMobile Home1 story

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Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Middleburg

Welcome to your private retreat in Middleburg! Built in 2018, this beautifully maintained 4-bedroom, 2-bath home offers 2,128 square feet of comfortable living space set on a serene 2.12-acre lot. Designed with both functionality and style in mind, the open floor plan provides a spacious living area perfect for everyday living and entertaining. The kitchen serves as the heart of the home, featuring ample cabinetry, generous counter space, and a seamless flow into the dining and family areas. The split-bedroom layout offers privacy, with a spacious primary suite that includes a well-appointed bath and relaxing retreat atmosphere. Step outside to enjoy the expansive property, ideal for outdoor living, recreation, or bringing your toys, boats, or animals. With plenty of room to add a workshop, pool, or garden, the possibilities are endless. Enjoy peaceful country living while still being conveniently located near shopping, dining, and major roadways. Schedule your showing today!

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$1,523
Property taxesest. at asking price, Clay County$421
Estimated total, before insurance$1,945/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,894/yr · $158/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

$275,000
$55,000
Loan Term
Monthly Payment
$1,523
Principal & Interest: $1,523
Property taxes (est.): $421
Insurance (est.): $183
Estimated Total Monthly
$2,128
*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.

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 2018)

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

Likely septic

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: ~1,640 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

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$351,998$81,956—
2024$318,540$78,939—
2023$286,448$75,184—
2022$210,362$71,538—
2021$126,351$67,999—
2020$116,370$66,370—

2025 property taxes (current owner): $1,894/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 31, 2026Price change$275,000−$5,000
  • Jul 15, 2026Active$280,000

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 $176/sq ft; this home is listed at $129/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
469 Jill Street, Middleburg, FL 32068Listed by JPAR CITY AND BEACHSep 2026$401,000$2454/21,638140.5
1886 Gentle Breeze Road, Middleburg, FL 32068Listed by JPAR CITY AND BEACHSep 2026$299,000$1784/21,68080.6
60 Plankton Avenue, Middleburg, FL 32068Listed by EAST COAST REALTYSep 2026$239,900$1483/21,620600.7
13 Tulip Court, Middleburg, FL 32068Listed by LANTERN REALTY, LLC.Sep 2026$274,900$1434/21,924950.7
101 Melanie Lane, Middleburg, FL 32068Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$302,000$1294/22,342350.7
1684 Freedom Drive, Middleburg, FL 32068Listed by REAL BROKER LLCJun 2026$276,000$1764/21,5681670.8

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$275,000
Price / Sq Ft$129
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,128
Acres2.11 acres
Year Built2018
TypeResidential
Sub-TypeMobile Home
StyleTraditional
StatusActive
Has PoolNo
Is WaterfrontNo

School Information

ElementaryWilkinson
MiddleWilkinson

Community Information

Address5110 Huntington Court, Middleburg, FL 32068
Area141-Middleburg NW
SubdivisionBlue Jay
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size91,911.6 sq ft
Parcel Number05052400593200838
ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected
SewerSeptic Tank
Water SourceWell
ParkingRV Access/Parking
ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecurityClosed Circuit Camera(s), Smoke Detector(s)

Exterior

Lot DescriptionMany Trees, Wooded
RoofShingle
ConstructionVinyl Siding
Road SurfaceDirt

Additional Information

Date ListedJuly 15, 2026
Days on Market109
Tax Amount$1,894.34
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE 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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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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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