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Sold·Closed Apr 10, 2026·4 days on market

4665 Gopher Street

Middleburg, FL 32068

$460,000sold priceListed at $460,000 · 100% of asking$230/sqftMLS# 2132290
4
Beds
3
Baths
2,000
Sq Ft
2024
Built
2
Garage
No
Pool
No HOA1.14 acresSingle Family Residence1 story

About this home

Middleburg

Welcome to this nearly new home offering modern design, functional space, and over an acre of land with no HOA restrictions, perfect for buyers seeking privacy, flexibility, and room to live the Florida lifestyle. The open-concept design features quartz countertops, stainless steel appliances, and stylish contemporary finishes. Two bedrooms share a convenient Jack & Jill bathroom, while the split layout provides flexibility for guests, family, or a home office. Enjoy outdoor living with a screened front patio and covered back patio overlooking a natural wooded backdrop with no rear neighbors. The property also includes a 10x10 storage shed and a 10x20 workshop with power and A/C, ideal for hobbies or tools. An outdoor electrical panel and RV hookup make this property ideal for RV owners, boat storage, or additional equipment. Outdoor enthusiasts will appreciate proximity to Black Creek for boating and recreation, along with nearby parks, trails & wildlife.

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$2,548
Property taxesest. at asking price, Clay County$705
Estimated total, before insurance$3,253/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$460,000
$92,000
Loan Term
Monthly Payment
$2,548
Principal & Interest: $2,548
Property taxes (est.): $705
Insurance (est.): $307
Estimated Total Monthly
$3,560
*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 2024)

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

Solar potential: ~1,594 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.

History

Price & status history

  • Feb 27, 2026Listed$460,000

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 $247/sq ft; this home is listed at $230/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4620 Burdock Court, Middleburg, FL 32068Listed by RESIDENTIAL WEALTH BUILDERS REALTY AND PROPERTY MANAGEMENTSep 2026$444,000$2454/21,809290.2
3139 S Deer Avenue, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATEMay 2026$215,000$1303/21,652410.3
2961 Beaver Avenue, Middleburg, FL 32068Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJul 2026$362,500$2473/21,4691160.4
4871 Gopher Circle, Middleburg, FL 32068Listed by KELLER WILLIAMS ST JOHNSJul 2026$575,000$2933/2.51,96110.4
4415 Tall Pines Lane, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$439,900$1785/32,471630.5
2924 Squirrel Court, Middleburg, FL 32068Listed by REAL BROKER LLCMay 2026$535,000$2533/22,115290.5

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$460,000
Price / Sq Ft$230
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,000
Acres1.14 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address4665 Gopher Street, Middleburg, FL 32068
Area145-middleburg-SW
SubdivisionBlack Creek Park
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size49,484.16 sq ft
Parcel Number32052400669883300

Amenities

UtilitiesElectricity Available
SewerSeptic Tank
Water SourceWell
ParkingAttached, Garage Door Opener

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Microwave
HeatingCentral
CoolingCentral Air
FlooringVinyl
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchCovered, Rear Porch
FencingFenced, Back Yard, Wood
RoofShingle
ConstructionFrame
Other StructuresShed(s)
Road SurfaceAsphalt

Additional Information

Date ListedFebruary 27, 2026
Days on Market4
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY

Sold by: LA ROSA REALTY NORTH FLORIDA, LLC. (buyer's brokerage)

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 Apr 10, 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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