Sold·Closed Jul 24, 2026·0 days on market
3284 Talisman Drive
Middleburg, FL 32068
About this home
Middleburg
POND FRONT VIEW In the Mayfield development, this 4-bedroom 3-bath ranch awaits its new owners. As you step into the stunning entryway, nice touches within will make you feel at home right away. Hardwoods tile throughout the bottom story with brand new carpet in all major rooms and stairs. The large kitchen features marvelous counter space, with an island in an attractive layout. As you retreat to relax at night and recharge for tomorrow, hang out in the back yard with a stunning firepit and pond view.
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2002)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record) · Public water · Clay County Utilities
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,736 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 homeAs 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.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:27 AM, sunset 7:01 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $363,708 | $65,599 | — |
| 2024 | $334,711 | $63,043 | — |
| 2023 | $327,519 | $59,751 | — |
| 2022 | $303,950 | $56,555 | — |
| 2021 | $216,040 | $53,452 | — |
| 2020 | $211,258 | $52,024 | — |
2025 property taxes (current owner): $1,520/yr
Estimated taxes if purchased at asking price: ~$5,700/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 26, 2026Closed$339,000
- Apr 9, 2026Listed$339,000
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 $165/sq ft; this home is listed at $145/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1821 Heartpine Drive, Middleburg, FL 32068Listed by MARK SPAIN REAL ESTATE | Sep 2026 | $298,000 | $151 | 4/2 | 1,977 | 134 | 0.8 |
| 3608 Meadowgreen Lane, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $330,000 | $142 | 4/2 | 2,331 | 68 | 1 |
| 2995 Tuscarora Trail, Middleburg, FL 32068Listed by LOWEST FEE REALTY LLC | Aug 2026 | $315,500 | $178 | 4/2 | 1,770 | 46 | 1 |
| 1794 Penzance Parkway, Middleburg, FL 32068Listed by WATSON REALTY CORP | Jul 2026 | $309,500 | $175 | 3/2 | 1,766 | 7 | 1 |
| 2990 Tunica Trail, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Oct 2026 | $285,000 | $161 | 4/2 | 1,770 | 41 | 1.1 |
| 2960 Tuscarora Trail, Middleburg, FL 32068Listed by WATSON REALTY CORP | Oct 2026 | $333,000 | $165 | 4/2 | 2,016 | 17 | 1.1 |
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: HERRON REAL ESTATE LLC
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
This home sold on Jul 24, 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
Curious what nearby homes sold for?
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