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Sold·Closed May 27, 2026·40 days on market
45 Mint Circle
Middleburg, FL 32068
About this home
Middleburg
Cash or hard money only! No sight unseen offers. Investor special--this 4 bed, 2 bath home in Middleburg sits on 2.476 acres and is ready to be brought back to life. Features vaulted ceilings in the living room and kitchen, plus durable Hardie board siding. Newer water filtration system (installed around 2018) and newer windows (2018-2019). AC system (inside and outside units) and ductwork estimated 2017. Full rehab needed, including roof. Some photo AI enhanced to show what it could look like.
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).
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 1990)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,630 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 homeThis 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Sal Taylor Creek Preserveabout 9 mi · 4.6 mi of trails
Closest public boat ramp
Middleburg (Main Street) Public Boat Rampabout 3 mi · North Fork Black Creek
Closest kayak & paddleboard launch
Jennings State Forest – Indian Ford Paddling Accessabout 2 mi · Black Creek North Fork
Closest grocery store
Walmart Supercenterabout 9 mi · 10000 Omni Dr, Jacksonville
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $216,609 | $111,089 | — |
| 2024 | $210,316 | $107,251 | — |
| 2023 | $202,563 | $102,671 | — |
| 2022 | $183,682 | $98,225 | — |
| 2021 | $143,908 | $93,908 | — |
| 2020 | $128,907 | $128,907 | — |
2025 property taxes (current owner): $2,214/yr
Estimated taxes if purchased at asking price: ~$4,100/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.
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 $233/sq ft; this home is listed at $173/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 |
| 128 Sesame Street, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $310,000 | $181 | 3/2 | 1,716 | 36 | 0.4 |
| 212 N Mimosa Avenue, Middleburg, FL 32068Listed by KELLER WILLIAMS FIRST COAST REALTY | Sep 2026 | $430,000 | $225 | 3/2 | 1,910 | 2 | 0.5 |
| 4395 Cotton Gin Court, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $419,633 | $233 | 3/2 | 1,801 | 51 | 0.6 |
| 4395 Eli Whitney Drive, Middleburg, FL 32068Listed by WATSON REALTY CORP | Oct 2026 | $390,990 | $279 | 3/2 | 1,401 | 77 | 0.7 |
| 156 Horsetail Avenue, Middleburg, FL 32068Listed by REALTY MASTERS, INC. | Aug 2026 | $164,900 | $113 | 3/2 | 1,464 | 177 | 0.7 |
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: EXIT INSPIRED REAL ESTATE
Sold by: HASSLE-FREE REALTY 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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on May 27, 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
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