Pending·217 days on market
53 Lion Street
Middleburg, FL 32068
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Middleburg
Tucked away on 1.89 peaceful acres, this beautifully maintained 3-bedroom, 2-bath home offers the perfect blend of rural charm and thoughtful updates. With 1,240 square feet of comfortable living space, you'll love the privacy and wide-open feel while still enjoying modern upgrades throughout. The kitchen was fully updated in 2022 and features stylish granite countertops and newer appliances (2022), creating a bright and functional space perfect for everyday living and entertaining. Interior walls were freshly painted in 2022, giving the home a clean, refreshed feel. Major improvements include new windows (2021), a roof replaced in 2021, and an HVAC system updated in 2025 for added efficiency and peace of mind. The seller also added gutters for enhanced exterior maintenance. Step outside and enjoy your own backyard retreat with a 16-foot above-ground pool and a newly added vinyl fence enclosing the back yard, perfect for pets, play, or added privacy.
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: material not specified — 2021 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,623 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 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
Southeast-facing backyard — winter sunrises, bright mornings
The listing reports the home facing northwest, which puts the backyard and pool on the southeast side. Today at this address: sunrise 7:27 AM, sunset 7:01 PM.
- A comfortable compromise lot: real pool sun without the western afternoon heat.
- The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
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: $310,000 in August 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $264,542 | $164,220 | — |
| 2024 | $255,732 | $158,603 | — |
| 2023 | $246,275 | $152,236 | — |
| 2022 | $174,382 | $36,437 | — |
| 2021 | $136,860 | $33,760 | — |
| 2020 | $122,942 | $38,028 | — |
2025 property taxes (current owner): $2,666/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 20, 2026Pending$275,000
- Mar 7, 2026Listed$275,000
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 $220/sq ft; this home is listed at $222/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 45 Mint Circle, Middleburg, FL 32068Listed by HASSLE-FREE REALTY LLC | Aug 2026 | $376,000 | $251 | 4/2 | 1,496 | 16 | 0.3 |
| 2004 Blue Knoll Road, Middleburg, FL 32068Listed by LANTERN REALTY, LLC. | Jul 2026 | $252,500 | $158 | 3/2 | 1,600 | 95 | 0.7 |
| 392 Foxtail Avenue, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLC | May 2026 | $243,000 | $220 | 3/2 | 1,104 | 144 | 0.7 |
| 203 Peppermint Avenue, Middleburg, FL 32068Listed by APEX REALTY SERVICES | Apr 2025 | $234,000 | $173 | 3/2 | 1,352 | 42 | 0.7 |
| 153 Plankton Avenue, Middleburg, FL 32068Listed by FORWARD REAL ESTATE INVESTMENT GROUP LLC | Dec 2025 | $235,000 | $150 | 3/2 | 1,568 | 41 | 0.8 |
| 10 Sesame Street, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2025 | $280,000 | $224 | 3/1 | 1,248 | 67 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MARK SPAIN REAL ESTATE
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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Krista Fracke
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