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Active

Active·114 days on market

34 Zibra Street

Middleburg, FL 32068

$625,000$251/sqftEst. $3,327/moMLS# 2136361

Beds

Baths

2,495

Sq Ft

1987

Built

Garage

Pool

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

Mortgage calculator

Home Price

$625,000

Down Payment: 20%

$125,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,157

Principal & Interest: $3,157

Est. Taxes & Insurance: $789

Estimated Total Monthly

$3,946

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.0% · 30yr$3,327

Property taxesest. at asking price, Clay County$958

Estimated total, before insurance$4,284/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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.

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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

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.

Features

Price$625,000

Price / Sq Ft$251

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