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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 Jul 24, 2026·60 days on market

2883 Longleaf Ranch Circle

Middleburg, FL 32068

$422,000sold priceListed at $415,000 · 101.7% of asking$203/sqftMLS# 2139862
4
Beds
2
Baths
2,076
Sq Ft
2006
Built
2
Garage
No
Pool
HOA $20/mo0.79 acresSingle Family Residence1 story

About this home

Middleburg

All brick home situated on over 3/4 of an acre with a fully fenced backyard offering space and privacy. Recent updates include a new roof (2024) and new water heater (2024). Inside, you'll find a bright, open layout with vaulted ceilings, a formal dining room, and dedicated office space. The kitchen overlooks the main living area and features plenty of cabinets and counter tops space. All appliances stay including the washer and dryer. Split bedroom floor plan provides a private primary suite with generous space and natural light. The guest bath has been updated with a newer vanity and a tiled shower with glass door. Spacious living areas and large windows bring in natural light and views of the backyard. Screen lanai is the perfect space to end the day.

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$2,337
Property taxesest. at asking price, Clay County$647
HOAbilled annually$20
Estimated total, before insurance$3,004/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,828/yr · $402/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

$422,000
$84,400
Loan Term
Monthly Payment
$2,337
Principal & Interest: $2,337
Property taxes (est.): $647
Insurance (est.): $281
Estimated Total Monthly
$3,265
*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 — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,773 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

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$333,230$282,508—
2024$323,971$181,375—
2023$317,304$174,636—
2022$285,463$168,094—
2021$215,873$161,742—
2020$208,819$158,819—

2025 property taxes (current owner): $4,828/yr

Estimated taxes if purchased at asking price: ~$7,800/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

  • Jul 24, 2026Closed$415,000

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 $196/sq ft; this home is listed at $200/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2893 Longleaf Ranch Circle, Middleburg, FL 32068Listed by MOMENTUM REALTYJun 2026$375,000$1714/22,192140
4505 Ranch Pines Way, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYJul 2026$365,000$1964/21,867400.3
4415 Tall Pines Lane, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$439,900$1785/32,471630.4
4620 Burdock Court, Middleburg, FL 32068Listed by RESIDENTIAL WEALTH BUILDERS REALTY AND PROPERTY MANAGEMENTSep 2026$444,000$2454/21,809290.4
3139 S Deer Avenue, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATEMay 2026$215,000$1303/21,652410.4
3024 Longleaf Ranch Circle, Middleburg, FL 32068Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEJun 2026$415,000$2404/21,728120.6

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$415,000
Price / Sq Ft$200
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,076
Acres0.79 acres
Year Built2006
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address2883 Longleaf Ranch Circle, Middleburg, FL 32068
Area145-middleburg-SW
SubdivisionLongleaf Ranch
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size34,412.4 sq ft
Parcel Number33052400674300011

Amenities

UtilitiesElectricity Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingAttached, Garage
ViewTrees/Woods

Interior

AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingHeat Pump
CoolingCentral Air
# of Stories1

Exterior

Patio / PorchPorch, Screened
FencingBack Yard
RoofShingle
Road SurfaceAsphalt

Additional Information

Date ListedApril 14, 2026
Days on Market60
HOA Fees$234.62 / Annually
HOA FrequencyAnnually
Tax Amount$4,828.22
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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 Jul 24, 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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