Active·175 days on market
4555 Tarragon Avenue
Middleburg, FL 32068
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Middleburg
Custom built and well loved home with abundant wildlife that abuts Bull Creek! Open living concept, split bedroom plan and a large screen porch for enjoyment of admiring nature in your own serene back yard! The kitchen has solid surface counters, is equipped for gas or electric appliances and has a walk in pantry. For dining options there is an eat at counter, breakfast nook and formal dining room. Nine foot ceilings throughout with a double trey ceiling with crown molding in the living room and gas fireplace. Deluxe primary suite has a jetted tub, separate shower, double sink vanity, toilet room with bidet and large walk in closet. All exterior windows are insulated. Additional features are an artesian well, oversized two car garage with utility sink, irrigation system, walk in attic for extra storage, potting shed with extra space for storage of yard tools. This home is a must see!
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.
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.
Hurricane evacuation zone SPBC
Check floridadisaster.org/knowyourzone for what this designation means locally.
Roof: Shingle — year not disclosed (home built 2007)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · 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: ~1,479 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 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 | $432,922 | $43,339 | — |
| 2024 | $426,431 | $41,411 | — |
| 2023 | $402,450 | $38,749 | — |
| 2022 | $356,617 | $36,165 | — |
| 2021 | $267,688 | $33,656 | — |
| 2020 | $258,930 | $32,501 | — |
2025 property taxes (current owner): $113/yr
Estimated taxes if purchased at asking price: ~$10,100/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 12, 2026Price change$549,999−$15,000
- Jul 22, 2026Price change$564,999−$5,000
- Apr 22, 2026Listed$569,999
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 $239/sq ft; this home is listed at $252/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2774 Tansy Avenue, Middleburg, FL 32068Listed by CROSSVIEW REALTY | Jul 2026 | $450,000 | $246 | 3/2 | 1,832 | 50 | 0.1 |
| 2478 Halperns Way, Middleburg, FL 32068Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Jun 2026 | $460,000 | $239 | 3/2 | 1,922 | 15 | 1 |
| 3024 Longleaf Ranch Circle, Middleburg, FL 32068Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Jun 2026 | $415,000 | $240 | 4/2 | 1,728 | 12 | 1.3 |
| 4415 Tall Pines Lane, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $439,900 | $178 | 5/3 | 2,471 | 63 | 1.4 |
| 4653 Calendula Avenue, Middleburg, FL 32068Listed by MOXII PRO REALTY | Jul 2026 | $312,000 | $137 | 4/2 | 2,278 | 4 | 1.5 |
| 4505 Ranch Pines Way, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $365,000 | $196 | 4/2 | 1,867 | 40 | 1.5 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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.
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Your Local Realtor
Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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