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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 Jun 5, 2026·26 days on market

4881 Chickpea Street

Middleburg, FL 32068

$373,000sold priceListed at $390,000 · 95.6% of asking$230/sqftMLS# 2139382
3
Beds
2
Baths
1,621
Sq Ft
2026
Built
2
Garage
No
Pool
No HOA1.06 acresSingle Family Residence1 storyNew construction

About this home

Middleburg

* Seller offering $5,000 concession * Be the first to own this beautifully crafted 2026 new construction home designed for modern living and long-term comfort. Nestled on 1.06 private acres surrounded by beautiful trees. This property offers the perfect balance of peaceful country living and convenience to local shops and restaurants. Step inside to an open-concept floor plan filled with natural light and LVP flooring throughout. The heart of the home is the chef-inspired kitchen, featuring a large center island, granite countertops, tiled backsplash, and stainless steel appliances perfect for gathering, and entertaining. The kitchen flows effortlessly into the spacious living and dining areas, creating a welcoming space for everyday living and hosting guests. The private owner's suite provides a relaxing retreat with a spacious walk-in closet and a spa-like bathroom complete with a dual-sink vanity and oversized walk-in shower.

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$2,066
Property taxesest. at asking price, Clay County$572
Estimated total, before insurance$2,638/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$781/yr · $65/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

$373,000
$74,600
Loan Term
Monthly Payment
$2,066
Principal & Interest: $2,066
Property taxes (est.): $572
Insurance (est.): $249
Estimated Total Monthly
$2,886
*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: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,445 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

YearMarket valueTaxable valueChange
2025$28,000$27,500—
2024$25,000$25,000—

2025 property taxes (current owner): $781/yr

Estimated taxes if purchased at asking price: ~$6,900/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.

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 $218/sq ft; this home is listed at $241/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5147 Chicory Circle, Middleburg, FL 32068Listed by ONE REALTY CORPJun 2026$329,000$2183/21,512710.5
2963 Backwoods Drive, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLCJul 2026$345,000$1744/21,978950.6
2965 Guava Court, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATESep 2026$322,000$2343/21,37770.7
2781 Camel Circle, Middleburg, FL 32068Listed by KALLAM REALTY GROUP PLLCMar 2026$400,000$1973/22,032310.7
4835 Timothy Street, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATEJul 2026$142,000$954/21,50000.8
2961 Beaver Avenue, Middleburg, FL 32068Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJul 2026$362,500$2473/21,4691160.8

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$390,000
Price / Sq Ft$241
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,621
Acres1.06 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address4881 Chickpea Street, Middleburg, FL 32068
Area145-middleburg-SW
SubdivisionBlack Creek Park
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size46,173.6 sq ft
Parcel Number32052400669840301

Amenities

UtilitiesCable Available, Electricity Available
SewerSeptic Tank
Water SourceWell
ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Cooktop, Electric Range
HeatingCentral
CoolingCentral Air
FlooringVinyl
# of Stories1
LevelsOne

Exterior

Patio / PorchRear Porch
RoofShingle
ConstructionFiber Cement
Road SurfaceDirt

Additional Information

Date ListedApril 10, 2026
Days on Market26
Tax Amount$780.57
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

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 Jun 5, 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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