Sold·Closed Sep 10, 2026·125 days on market
4207 Cherry Lake Lane
Middleburg, FL 32068
About this home
Middleburg
$9,000 BUYER INCENTIVE + NO CDD FEES! Welcome to this beautifully maintained, like-new home in the desirable gated community of Linda Lakes! This spacious 4-bedroom, 3-bath home offers 2,505 sq. ft., a 2-car garage, and a versatile three-way split floor plan designed for privacy and flexibility. The upstairs bedroom with private bath is perfect for an in-law suite, guest retreat, or private getaway. Bright, open living spaces feature 10-foot ceilings, elegant tray ceilings in the living room and primary suite, updated fixtures, and thoughtful upgrades throughout. The spacious gathering room opens to a large screened lanai, ideal for relaxing or entertaining year-round. A black aluminum fence adds style and privacy to the backyard. Seller is offering $9,000 toward a 2-1 interest rate buydown, buyer prepaids and/or allowable closing costs, plus a 1-year home warranty up to $600. Don't miss this exceptional opportunity in Linda Lakes!
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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 2019)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,732 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $417,213 | $234,962 | — |
| 2024 | $410,498 | $227,633 | — |
| 2023 | $411,957 | $219,547 | — |
| 2022 | $343,117 | $211,697 | — |
| 2021 | $301,977 | $204,075 | — |
| 2020 | $260,113 | $200,568 | — |
2025 property taxes (current owner): $4,103/yr
Estimated taxes if purchased at asking price: ~$7,400/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 10, 2026Closed$415,000
- Aug 21, 2026Pending$415,000
- Aug 11, 2026Price change$415,000−$10,000
- Jul 23, 2026Price change$425,000−$5,000
- Apr 19, 2026Listed$430,000
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 $185/sq ft; this home is listed at $166/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1724 Austin Lake Way, Middleburg, FL 32068Listed by RE/MAX UNLIMITED | Oct 2026 | $390,000 | $185 | 4/3 | 2,112 | 55 | 0.3 |
| 1733 Austin Lake Way, Middleburg, FL 32068Listed by ZUMOT REALTY | Oct 2026 | $385,000 | $190 | 3/2 | 2,025 | 270 | 0.3 |
| 4122 Fishing Creek Lane, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $340,000 | $189 | 3/2 | 1,795 | 23 | 0.5 |
| 4019 Sandbank Court, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $300,000 | $167 | 2/2 | 1,798 | 73 | 0.7 |
| 1837 Marias River Court, Middleburg, FL 32068Listed by MARKETPLACE HOMES | Sep 2026 | $370,000 | $170 | 4/2 | 2,182 | 17 | 0.8 |
| 1837 Cherry Creek Way, Middleburg, FL 32068Listed by ENTERA REALTY LLC | Aug 2026 | $299,900 | $162 | 4/2 | 1,856 | 61 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: UNITED REAL ESTATE GALLERY
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 10, 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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