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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 30, 2026·102 days on market

3011 Angora Bay Drive

Middleburg, FL 32068

$346,000sold priceListed at $359,900 · 96.1% of asking$173/sqftMLS# 2139120
4
Beds
2
Baths
2,004
Sq Ft
2017
Built
2
Garage
No
Pool
FEMA Zone XHOA $25/mo5,227 sqft lotSingle Family Residence1 story

About this home

Middleburg

Lovely like new house w/ 4 Bedrooms & 2 Baths. Located on a corner as you first enter Angora Bay Drive sub-division. Located just off CR 220 in Middleburg FL near shopping and dining and Fleming Island. Kitchen has new backsplash and under counter lighting to enhance the mood of the entertaining area. Newer fencing around entire yard for privacy with two locking gates. Sprinkler system in place. Mostly hardwood flooring with some carpeting. The exterior has been newly painted with superior paint for longevity. Laundry room inside just off the garage w/ back up battery garage door opener. An Estate Sale is being conducted April 9th, 10th & 11th 2026 and you are welcome to view the house from 9:00 am until 4:00 pm daily. Flyers will be available for your viewing pleasure. This immaculately maintained house will not last long so hope to see you on Thursday April 9th thru April 11th for your tour! No appointment necessary!

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$1,917
Property taxesest. at asking price, Clay County$530
HOAbilled annually$25
Estimated total, before insurance$2,472/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,359/yr · $280/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

$346,000
$69,200
Loan Term
Monthly Payment
$1,917
Principal & Interest: $1,917
Property taxes (est.): $530
Insurance (est.): $231
Estimated Total Monthly
$2,677
*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.

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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2017)

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

Solar potential: ~1,748 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 home

As 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

YearMarket valueTaxable valueChange
2025$294,437$186,186—
2024$313,764$180,232—
2023$306,865$173,527—
2022$264,129$167,017—
2021$231,071$160,697—
2020$208,374$157,788—

2025 property taxes (current owner): $3,359/yr

Estimated taxes if purchased at asking price: ~$6,400/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

  • Oct 1, 2026Closed$359,900
  • Jul 20, 2026Pending$359,900
  • Apr 9, 2026Listed$359,900

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 $191/sq ft; this home is listed at $180/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1877 Sue Meadow Lane, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Aug 2026$415,000$1914/32,171100.1
1873 Sue Meadow Lane, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Aug 2026$343,000$2274/21,51030.1
1670 Anne Drive, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$240,000$1624/21,478270.4
3013 Wavering Lane, Middleburg, FL 32068Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEAug 2026$280,000$1784/21,572590.5
1823 Easy Street, Middleburg, FL 32068Listed by WATSON REALTY CORPAug 2026$325,000$2063/21,576280.5
253 Deerwood Circle E, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATEJul 2026$300,000$1624/31,85430.5

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$359,900
Price / Sq Ft$180
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,004
Acres0.12 acres
Year Built2017
TypeResidential
Sub-TypeSingle Family Residence
StylePatio Home
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address3011 Angora Bay Drive, Middleburg, FL 32068
Area146-Middleburg-NE
SubdivisionAngora Bay
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size5,227.2 sq ft
Parcel Number34042500818700098
ZoningResidential

Amenities

UtilitiesWater Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewOther

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Wood
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Exterior FeaturesBalcony
Lot DescriptionCorner Lot, Sprinklers In Front, Sprinklers In Rear
Patio / PorchRear Porch
FencingFenced, Full, Privacy, Vinyl
RoofShingle
ConstructionOther
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedApril 9, 2026
Days on Market102
HOA Fees$300 / Annually
HOA FrequencyAnnually
Tax Amount$3,359.1
Tax Year2025
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA LUXURY HOMES

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 30, 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.

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20+ years · 500+ closings · NE Florida

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