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Sold

Sold·Closed Jul 16, 2026·90 days on market

5012 Laurel Street

Middleburg, FL 32068

$670,000sold priceListed at $680,000 · 98.5% of asking$298/sqftMLS# 2135648
4
Beds
3
Baths
2,245
Sq Ft
2024
Built
2
Garage
No
Pool
No HOA5.11 acresSingle Family Residence1 story

About this home

Middleburg

Tranquil, private oasis built in 2024! Drive through the gated front to this custom home that sits on a partially cleared 5-acre lot with no visible neighbors. Designed with an open floor plan and abundant natural light, the home features 4 bedrooms and 3 baths with modern finishes throughout. The spacious primary suite includes a well-appointed bath with dual vanities, step in shower, and two walk-in closets. Bedroom 4 is a full suite including a private bath. Kitchen and living areas showcase quartz counters and durable LVP flooring throughout combining style and functionality. Additional highlights include an oversized attached 2-car garage and generous covered back porch, perfect for relaxing or entertaining while enjoying the peaceful surroundings. A massive 30x72 pole barn offers endless possibilities for storage and hobbies. Blending modern design with serene, private acreage, this property is a rare find. Take advantage of NO property taxes for the remainder of 2026!

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$3,711
Property taxesest. at asking price, Clay County$1,027
Estimated total, before insurance$4,738/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

$670,000
$134,000
Loan Term
Monthly Payment
$3,711
Principal & Interest: $3,711
Property taxes (est.): $1,027
Insurance (est.): $447
Estimated Total Monthly
$5,185
*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: ~1,368 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

Cost to own

Taxes & assessment

Last sold: $480,000 in February 2024(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$552,448$0—
2024$94,264$94,264—
2023$86,280$86,280—
2022$72,530$55,676—
2021$50,615$50,615—
2020$50,000$50,000—

2025 property taxes (current owner): $358/yr

Estimated taxes if purchased at asking price: ~$12,300/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 (2025), NEFMLS.

History

Price & status history

  • Jul 16, 2026Closed$680,000

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 $171/sq ft; this home is listed at $303/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5181 Antler Trail, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATEAug 2026$330,000$1454/22,28000.2
4938 Basil Street, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYApr 2026$267,900$1493/21,800220.7
2414 Range Line Road, Middleburg, FL 32068Listed by WATSON REALTY CORPFeb 2026$385,000$2103/21,833350.7
4921 Alfalfa Street, Middleburg, FL 32068Listed by BEYCOME OF FLORIDA LLCFeb 2026$310,000$1713/21,81531
2388 Gardenia Avenue, Middleburg, FL 32068Listed by REAL BROKER LLCJun 2026$349,990$2203/21,593411.1
79 Melanie Lane, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATESep 2026$325,000$1644/21,976641.2

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$680,000
Price / Sq Ft$303
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,245
Acres5.11 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address5012 Laurel Street, Middleburg, FL 32068
Area145-middleburg-SW
SubdivisionMetes & Bounds
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size222,591.6 sq ft
Parcel Number18052400641101801
ZoningResidential

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourcePrivate, Well
ParkingGarage Door Opener
ViewOther

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringVinyl
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionCleared
Patio / PorchCovered, Rear Porch
RoofShingle
ConstructionFrame
Other StructuresBarn(s)

Additional Information

Date ListedMarch 19, 2026
Days on Market90
Tax Amount$358
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD 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 16, 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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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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