Sold·Closed Aug 26, 2026·111 days on market
2482 Oleander Avenue
Middleburg, FL 32068
About this home
Middleburg
Beautiful 3-Bed, 2-Bath Home with Flex Room - No HOA or CDD! Discover this stunning 2,000 sq. ft. home nestled on a spacious full acre lot in Middleburg, FL! Featuring 3 bedrooms, 2 bathrooms, and a versatile flex room, this home offers plenty of space for comfortable living. The open-concept design boasts a modern kitchen with quartz countertops, stainless steel appliances, perfect for entertaining. The primary suite includes a walk-in closet and a spa-like en-suite bath with dual sinks and a walk-in shower. Enjoy peaceful living with no HOA or CDD fees! Home is conveniently close to shopping, dining, and top-rated schools.
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.
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: material not specified — year not disclosed (home built 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,184 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 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $34,000 | $24,889 | — |
| 2024 | $34,000 | $22,627 | — |
| 2023 | $30,000 | $20,570 | — |
| 2022 | $25,000 | $18,700 | — |
| 2021 | $17,000 | $17,000 | — |
| 2020 | $17,000 | $17,000 | — |
Estimated taxes if purchased at asking price: ~$7,200/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
- Sep 21, 2026Closed$394,000
- Aug 3, 2026Active Under Contract$394,000
- Jul 24, 2026Price change$394,000−$5,000
- Mar 30, 2026Listed$399,000
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 $213/sq ft; this home is listed at $197/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2414 Daisy Street, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLC | Jul 2026 | $348,000 | $230 | 3/2 | 1,512 | 35 | 0 |
| 4653 Calendula Avenue, Middleburg, FL 32068Listed by MOXII PRO REALTY | Jul 2026 | $312,000 | $137 | 4/2 | 2,278 | 4 | 0.2 |
| 2351 Daisy Street, Middleburg, FL 32068Listed by REAL BROKER LLC | Aug 2026 | $400,000 | $221 | 4/2 | 1,811 | 38 | 0.4 |
| 4355 Longmire Road, Middleburg, FL 32068Listed by REAL BROKER LLC | Aug 2026 | $299,990 | $213 | 4/2 | 1,410 | 150 | 0.8 |
| 4354 Angora Street, Middleburg, FL 32068Listed by RIVER CITY RENTALS AND REALTY | Sep 2026 | $389,000 | $195 | 3/2 | 2,000 | 6 | 1 |
| 4362 Angora Street, Middleburg, FL 32068Listed by RIVER CITY RENTALS AND REALTY | Sep 2026 | $465,000 | $205 | 4/3 | 2,272 | 6 | 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
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: MAGNOLIA & OAK REAL ESTATE COMPANY 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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 26, 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?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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