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Sold

Sold·Closed Jul 21, 2026·26 days on market

611 Plantation Drive

Middleburg, FL 32068

$285,000sold priceListed at $325,000 · 87.7% of asking$120/sqftMLS# 2133777
4
Beds
2
Baths
2,377
Sq Ft
1973
Built
2
Garage
No
Pool
FEMA Zone XNo HOA1.07 acresSingle Family Residence1 story

About this home

Middleburg

INVESTOR ALERT | CASH OR RENOVATION LOAN ONLY Priced to move quickly at $325,000, this 1-acre property presents a prime opportunity in a highly desirable Middleburg location. The home does require foundation work, and pricing reflects the repairs--making it an ideal project for investors, flippers, or buyers looking to build instant equity. Situated on a spacious, usable acre, this ranch-style home already features a brand-new roof, 2-car garage, city sewer connection, and two outbuildings--a strong foundation (beyond structural repairs) for your renovation vision. With ample room to add a pool, expand outdoor living, or create a private retreat, the possibilities here are endless. Location is a standout--just minutes to shopping, dining, and A-rated schools, offering strong resale or long-term hold potential. With an estimated ARV around $500,000+, this is a compelling value-add opportunity in a growing area. Bring your vision and unlock the full potential of this property.

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$1,579
Property taxesest. at asking price, Clay County$437
Estimated total, before insurance$2,015/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,751/yr · $146/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

$285,000
$57,000
Loan Term
Monthly Payment
$1,579
Principal & Interest: $1,579
Property taxes (est.): $437
Insurance (est.): $190
Estimated Total Monthly
$2,205
*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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 1973)

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

Sewer (public record) · Private well (public record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,528 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.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
  • The front of the home carries the hot western afternoon instead of your living space.

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$277,132$80,778—
2024$258,369$77,654—
2023$255,005$73,791—
2022$229,041$74,540—
2021$177,387$70,899—
2020$162,947$69,223—

2025 property taxes (current owner): $1,751/yr

Estimated taxes if purchased at asking price: ~$5,200/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 21, 2026Closed$325,000
  • Mar 11, 2026Listed$325,000

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 $191/sq ft; this home is listed at $137/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1533 Harvest Cove Drive, Middleburg, FL 32068Listed by PALM REALTY GROUP INCAug 2026$380,000$1914/31,987250.6
2025 Frogmore Drive, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$310,000$1754/21,770390.9
1795 Hollow Glen Drive, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLCAug 2026$315,000$1803/21,75300.9
232 Brickyard Road, Middleburg, FL 32068Listed by REAL BROKER LLCAug 2026$365,000$1994/21,835551
3011 Angora Bay Drive, Middleburg, FL 32068Listed by FLORIDA LUXURY HOMESSep 2026$346,000$1734/22,0041021.1
1877 Sue Meadow Lane, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Aug 2026$415,000$1914/32,171101.1

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$325,000
Price / Sq Ft$137
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,377
Acres1.07 acres
Year Built1973
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesWest

School Information

ElementaryDoctors Inlet

Community Information

Address611 Plantation Drive, Middleburg, FL 32068
Area146-Middleburg-NE
SubdivisionTara Farms
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size46,609.2 sq ft
Parcel Number02052500894600000
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourceWell
ParkingAdditional Parking, Circular Driveway, Garage, Garage Door Opener, RV Access/Parking
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom - Tub with Shower, Primary Downstairs
AppliancesDishwasher, Double Oven, Dryer, Electric Cooktop, Electric Water Heater, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric, Wood Burning
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Lot DescriptionCorner Lot
Patio / PorchCovered, Front Porch, Patio, Porch, Rear Porch, Screened
FencingBack Yard, Wood, Other
RoofShingle
ConstructionStone Veneer, Wood Siding
Other StructuresBarn(s), Shed(s), Workshop
Road SurfaceAsphalt

Additional Information

Date ListedMarch 11, 2026
Days on Market26
Tax Amount$1,751.38
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MOMENTUM REALTY

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 Jul 21, 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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