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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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Sold

Sold·Closed May 7, 2026·34 days on market

4093 Lazy Acres Road

Middleburg, FL 32068

$395,000sold priceListed at $400,000 · 98.8% of asking$469/sqftMLS# 2134574
2
Beds
2
Baths
842
Sq Ft
2025
Built
—
Garage
No
Pool
No HOA0.53 acresWaterfrontSingle Family Residence1 story

About this home

Middleburg

Tucked along the peaceful banks of Black Creek, this waterfront retreat offers the perfect blend of privacy, designed comfort, and Old Florida charm. Situated on a fully fenced half-acre, the property was thoughtfully built in 2025 and elevated to provide peace of mind while still allowing you to enjoy the beauty of life on the water. Inside, the home showcases beautiful flooring and a fresh, modern feeling throughout. Everything reflects the clean lines and low-maintenance lifestyle buyers love, while large windows capture the beautiful natural views of Black Creek, creating a calm and inviting atmosphere. For boating and nature enthusiasts, the location is exceptional. Black Creek is navigable water that flows directly into the St. Johns River, opening the door to miles of exploration by boat, fishing adventures, and breathtaking sunsets on the water. It's the kind of setting where wildlife sightings and peaceful mornings become part of everyday life.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$2,154
Property taxesest. at asking price, Clay County$605
Estimated total, before insurance$2,759/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,656/yr · $138/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).

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,656/yr

Estimated taxes if purchased at asking price: ~$7,300/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, NEFMLS.

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 $475/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4207 Falcon Run Lane, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLCOct 2025$210,000$1993/21,05661.2
24 Azalea Avenue, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLCMay 2025$229,900$2113/21,092121.4
4066 Pinto Road, Middleburg, FL 32068Listed by WATSON REALTY CORPDec 2025$90,000$972/1924572.4
4961 Bent Twig Road, Middleburg, FL 32068Listed by GAILEY ENTERPRISES LLCJun 2025$149,500$1912/178412.4
9 Parsley Avenue, Middleburg, FL 32068Listed by WATSON REALTY CORPMay 2025$165,000$1723/2960422.4

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

Price$400,000
Price / Sq Ft$475
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage842
Acres0.53 acres
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Carport Spaces2
Has PoolNo
Is WaterfrontYes

School Information

This listingNo schools reported in the MLS
ElementaryMiddleburg, reported on 5 other Lazy Acres listings
MiddleWilkinson, reported on 5 other Lazy Acres listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address4093 Lazy Acres Road, Middleburg, FL 32068
Area141-Middleburg NW
SubdivisionLazy Acres
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size23,086.8 sq ft
Parcel Number11052400602100000

Amenities

UtilitiesElectricity Connected
Water SourceWell
ParkingCarport, Covered
Waterfront TypeCreek, Navigable Water

Interior

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
# of Stories1

Additional Information

Date ListedMarch 12, 2026
Days on Market34
Tax Amount$1,656.4
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY

Sold by: JPAR CITY AND BEACH (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 May 7, 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

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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