Active Under Contract·7 days on market
3519 County Road 218
Middleburg, FL 32068
About this home
Middleburg
NEW ROOF ON HOME AND 2 GARAGES BRICK Home in desirable Lake Asbury area, situated on 2.42 acres. This home features 3 bedrooms, 2 baths, Split bedrooms , open floor plan, eat-in kitchen overlooking back yard and a glassed-in back porch. Surround sound in Dining and LR, and an inside Laundry room. Enjoy the convenience of an attached garage with central vac., water softener and garage opener. Plus 3 Detached Garages. A separate brick Garage with well-equipped workroom, and two 800-gallon compressors connected to the workshop providing ample space for projects and storage. The workshop has electric and water, as do the other two buildings. Workshop includes separate 200 amp electric box, water and 1/2 bath. Yard partially fenced with a gated entry, ensuring privacy and security. ALSO TWO COVERS for boat storage, etc. SEPTIC PUMPED ALSO. Relax or entertain in the back glass-enclosed patio, enjoying the outdoors year-roun
Cost to own
Mortgage calculator
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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $476,475 | $0 | — |
| 2024 | $470,135 | $0 | — |
| 2023 | $472,519 | $0 | — |
| 2022 | $392,525 | $0 | — |
| 2021 | $326,052 | $0 | — |
| 2020 | $316,272 | $0 | — |
Estimated taxes if purchased at asking price: ~$12,600/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.
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.
Hurricane evacuation zone SPBC
Check floridadisaster.org/knowyourzone for what this designation means locally.
Roof: Shingle — year not disclosed (home built 2003)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · 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: ~1,702 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.
History
Price & status history
- Jul 16, 2026Active Under Contract$685,000
- Jul 13, 2026Pending$685,000
- Apr 7, 2026Listed$685,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
Similar homes in Middleburg
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines