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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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Sold

Sold·Closed Sep 8, 2026·34 days on market

2051 Cornell Road

Middleburg, FL 32068

$295,000sold priceListed at $299,999 · 98.3% of asking$213/sqftMLS# 2138176
3
Beds
2.5
Baths
1,384
Sq Ft
1986
Built
2
Garage
No
Pool
No HOA10,890 sqft lotSingle Family Residence1 story

About this home

Middleburg

Welcome to 2051 Cornell Road, a charming 3 BR, 2.5 bath home nestled on a spacious lot in peaceful Middleburg. This bright and airy home boasts vaulted ceilings and low-maintenance LVP flooring throughout. The kitchen shines w/ updated countertops/backsplash and a stylish new sink, while the guest bathroom has been refreshed w/ tile flooring, a new vanity, and fresh paint. The cozy primary suite offers a private bath, and the handy half bath located in the two-car garage is perfect for workshop projects or outdoor use. Relax on the covered front porch or host friends in the fenced backyard w/ fruit trees and a large shed. The metal roof offers long-lasting protection, complimented by a newer septic system giving peace of mind. Enjoy all the best of Middleburg living just minutes from boat ramps, coffee shops, eateries, shopping, hospitals, parks and excellent schools. HIGH and DRY w/ NO flood insurance req. Seller is highly motivated so bring all reasonable offers! Come take a look!

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$1,634
Property taxesest. at asking price, Clay County$452
Estimated total, before insurance$2,086/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,246/yr · $354/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$295,000
$59,000
Loan Term
Monthly Payment
$1,634
Principal & Interest: $1,634
Property taxes (est.): $452
Insurance (est.): $197
Estimated Total Monthly
$2,283
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: Metal — year not disclosed (home built 1986)

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

Solar potential: ~1,286 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

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

Last sold: $270,000 in April 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$241,136$241,136—
2024$237,509$237,509—
2023$218,315$152,274—
2022$196,383$146,383—
2021$133,340$34,365—

2025 property taxes (current owner): $4,246/yr

Estimated taxes if purchased at asking price: ~$5,400/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 22, 2026Closed$299,999

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 $247/sq ft; this home is listed at $217/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2140 Tom Thumb Road, Middleburg, FL 32068Listed by WATSON REALTY CORPSep 2026$335,000$1913/21,757560.4
3993 Country Meadows Drive, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLCJan 2026$315,000$1833/21,723350.7
2420 Pemrose Loop, Middleburg, FL 32068Listed by LGI REALTY - FLORIDA, LLCJul 2026$383,900$2503/21,536450.8
2062 Featheredge Way, Middleburg, FL 32068Listed by LGI REALTY - FLORIDA, LLCJun 2026$380,000$2473/21,5361690.8
4143 Everett Avenue, Middleburg, FL 32068Listed by DALTON WADE INCJul 2026$470,000$3403/21,38291.3
3215 Ginny Lake Drive, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYJul 2026$335,000$2083/21,608101.4

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$299,999
Price / Sq Ft$217
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,384
Acres0.25 acres
Year Built1986
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address2051 Cornell Road, Middleburg, FL 32068
Area142-Middleburg East
SubdivisionBlack Creek Hills
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size10,890 sq ft
Parcel Number12052400617500202
ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Water Connected
SewerPrivate Sewer, Septic Tank
Water SourcePublic
ParkingAttached

Interior

Interior FeaturesEntrance Foyer, Primary Bathroom - Tub with Shower, Walk-In Closet(s)
AppliancesDishwasher, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringTile, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Patio / PorchCovered, Front Porch
FencingBack Yard
RoofMetal
Other StructuresShed(s)
Road SurfaceAsphalt

Additional Information

Date ListedApril 3, 2026
Days on Market34
Tax Amount$4,246.34
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 8, 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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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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