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Sold

Sold·Closed Aug 20, 2026·68 days on market

4265 Angora Street

Middleburg, FL 32068

$595,000sold priceListed at $595,000 · 100% of asking$200/sqftMLS# 2142804
5
Beds
3
Baths
2,976
Sq Ft
1997
Built
—
Garage
No
Pool
FEMA Zone XNo HOA2.42 acresSingle Family Residence1 story

About this home

Middleburg

Enjoy the best of both worlds--private country living on 2.4 acres with an easy 30-40 minute commute to NAS Jacksonville, making it an excellent option for military families seeking space, privacy, and convenience. This beautifully designed property blends modern finishes with the feel of being out in the country, yet right in the heart of Middleburg for everyday ease. Inside, an open-concept floor plan features vaulted ceilings and wood-look tile throughout the main areas. The kitchen stands out with French white cabinetry, granite countertops, and seamless flow into the living and dining spaces--perfect for entertaining. The home offers 4 bedrooms plus a dedicated office and a versatile flex room offering versatility for work, hobbies, or guests. Enjoy a grand double-door entry, cementitious wood siding with stone accents, and a durable metal roof. The property also includes a large covered patio, greenhouse, chicken coop, and storage building. No HOA. Park your boat or RV.

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$3,296
Property taxesest. at asking price, Clay County$912
Estimated total, before insurance$4,208/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,079/yr · $423/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

$595,000
$119,000
Loan Term
Monthly Payment
$3,296
Principal & Interest: $3,296
Property taxes (est.): $912
Insurance (est.): $397
Estimated Total Monthly
$4,604
*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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Metal — year not disclosed (home built 1997)

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

Sewer records conflict — verify

The MLS lists “Private Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,574 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

Last sold: $600,000 in May 2024(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$473,703$298,928—
2024$467,114$185,055—
2023$432,524$178,209—
2022$379,742$171,563—
2021$284,920$165,110—
2020$276,058$162,141—

2025 property taxes (current owner): $5,079/yr

Estimated taxes if purchased at asking price: ~$10,900/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.

History

Price & status history

  • Aug 21, 2026Closed$595,000
  • Jul 10, 2026Active Under Contract$595,000
  • Apr 30, 2026Listed$595,000

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 $205/sq ft; this home is listed at $200/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
20 Yucca Street, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLCJul 2026$490,000$2124/32,315250.3
10 Yucca Street, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLCJul 2026$465,000$2054/32,26420.3
4362 Angora Street, Middleburg, FL 32068Listed by RIVER CITY RENTALS AND REALTYSep 2026$465,000$2054/32,27260.4
32 Bitterroot Avenue, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLCSep 2026$465,000$2054/32,26470.6
40 Bitterroot Avenue, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLCSep 2026$490,000$2124/32,31510.6
2538 Halperns Way, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJun 2026$585,000$1825/33,213501.1

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$595,000
Price / Sq Ft$200
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage2,976
Acres2.42 acres
Year Built1997
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address4265 Angora Street, Middleburg, FL 32068
Area145-middleburg-SW
SubdivisionBlack Creek Park
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size105,328.08 sq ft
Parcel Number35052400669940900
ZoningSingle Family

Amenities

UtilitiesElectricity Connected, Water Connected
SewerPrivate Sewer
Water SourceWell
ParkingAdditional Parking
ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Patio / PorchRear Porch
RoofMetal
ConstructionFiber Cement, Stone Veneer
Other StructuresGreenhouse, Workshop
Road FrontageCity Street

Additional Information

Date ListedApril 30, 2026
Days on Market68
Tax Amount$5,078.67
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY

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 Aug 20, 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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