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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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Active

Active·77 days on market

34 Zibra Street

Middleburg, FL 32068

$624,600$250/sqftEst. $3,460/moMLS# 2136361
↓ $15,400 below original list
3
Beds
2.5
Baths
2,495
Sq Ft
1987
Built
2
Garage
No
Pool
FEMA Zone XNo HOA5.22 acresSingle Family Residence2 stories

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Middleburg

Experience the charm of country living on five fully fenced acres, ideally situated on a private corner lot-perfect for equestrian enthusiasts or anyone seeking a peaceful country paradise. This striking three-bedroom, three-bath home showcases beautiful cedar interiors & a thoughtfully designed layout, w/ the primary suite conveniently located on the 1st floor and a Jack-and-Jill setup upstairs. The inviting kitchen features new appliances, while a cozy wood-burning fireplace, central vacuum system, & built-in sound system add comfort & convenience throughout. Expansive windows fill the home with natural light, highlighting the fantastic views from every angle. Step outside to enjoy a wraparound porch, two barns, a spacious 30' x 24' garage with new electric doors, and stunning mature oak trees that give the property a truly timeless feel. Adding to its appeal, the entrance to Jennings Forest is just down the road at the end of Foxtail, providing easy access to miles of picturesquem.

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$3,460
Property taxesest. at asking price, Clay County$957
Estimated total, before insurance$4,417/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

$624,600
$124,920
Loan Term
Monthly Payment
$3,460
Principal & Interest: $3,460
Property taxes (est.): $957
Insurance (est.): $416
Estimated Total Monthly
$4,833
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1987)

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

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: ~1,236 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

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.

Around this address

Nearby, from public data

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

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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

property taxes (current owner): $6,500/yr

Estimated taxes if purchased at asking price: ~$11,500/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.

History

Price & status history

  • Oct 1, 2026Price change$624,600−$100
  • Sep 25, 2026Price change$624,700−$100
  • Sep 22, 2026Price change$624,800−$100
  • Sep 18, 2026Price change$624,900−$100
  • Jul 13, 2026Price change$625,000−$15,000
  • Mar 24, 2026Listed$640,000

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 $218/sq ft; this home is listed at $250/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
215 Foxtail Avenue, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$515,000$2123/22,42820.2
212 N Mimosa Avenue, Middleburg, FL 32068Listed by KELLER WILLIAMS FIRST COAST REALTYSep 2026$430,000$2253/21,91020.6
13 Tulip Court, Middleburg, FL 32068Listed by LANTERN REALTY, LLC.Sep 2026$274,900$1434/21,924950.6
2175 Ginhouse Drive, Middleburg, FL 32068Listed by MOMENTUM REALTYJun 2026$500,000$2103/2.52,381360.8
4395 Cotton Gin Court, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYJul 2026$419,633$2333/21,801510.9
94 Sorrel Street, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYMay 2026$430,000$2184/21,972261

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$624,600
Price / Sq Ft$250
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,495
Total Structure Area4,361 sq ft
Acres5.22 acres
Year Built1987
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryMiddleburg
MiddleWilkinson
HighMiddleburg

Community Information

Address34 Zibra Street, Middleburg, FL 32068
Area141-Middleburg NW
SubdivisionMetes & Bounds
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size227,383.2 sq ft
Lot Dimensions625x292x686x340
Parcel Number00593100101
ZoningAgricultural

Amenities

UtilitiesCable Available, Electricity Connected
SewerSeptic Tank
Water SourceWell
ParkingCircular Driveway, Garage Door Opener, RV Access/Parking, Other
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Central Vacuum, Eat-in Kitchen, Entrance Foyer, Jack and Jill Bath, Primary Bathroom - Tub with Shower, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Washer
HeatingCentral, Electric
CoolingAttic Fan, Central Air, Electric
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

Exterior

Lot DescriptionAgricultural, Corner Lot, Few Trees, Many Trees
Patio / PorchCovered, Front Porch, Porch, Side Porch, Wrap Around
FencingFenced, Wire, Other
RoofShingle
ConstructionOther, Frame, Wood Siding
Other StructuresShed(s), Stable(s)
Road SurfaceDirt
Road FrontageCounty Road

Additional Information

Date ListedAugust 1, 2026
Days on Market191
Tax Amount$6,500
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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 - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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