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Active Under Contract

Active Under Contract·74 days on market

4143 Everett Avenue

Middleburg, FL 32068

$474,000$343/sqftEst. $2,523/moMLS# 2143073

Beds

Baths

1,382

Sq Ft

1977

Built

Garage

Yes

Pool

About this home

Middleburg

Taking backup offers. Private, well-maintained 2.09-acre retreat with pool, updates, and space to live freely, this is the lifestyle buyers are searching for. Updated inside, smart appliances, roof, a new septic system, drain field, and shed. This property blends comfort, privacy, and versatility in one rare offering. Inside, a warm, functional layout which features multiple living areas and a separate dining space designed for everyday living and connection. Outside, unwind beneath mature shade trees, relax on the patio, or enjoy the resurfaced inground pool in your own private setting. A fully fenced portion of the property provides space for animals or recreation, complemented by fruit trees, a fenced vegetable garden, and a large chicken coop with free-roam area. The circular driveway offers dual front entrances, plus a separate side driveway allows full front-to-back access for trailers, equipment, or RVs. AR zoned with room to expand. Schedule your showing today.

Cost to own

Mortgage calculator

Home Price

$474,000

Down Payment: 20%

$94,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,394

Principal & Interest: $2,394

Est. Taxes & Insurance: $599

Estimated Total Monthly

$2,993

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$2,523

Property taxesest. at asking price, Clay County$726

Estimated total, before insurance$3,249/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Last sold: $190,000 in September 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$349,557	$298,835	—
2024	$167,825	$167,825	—
2023	$185,909	$41,412	—
2022	$154,667	$38,750	—
2021	$129,479	$36,166	—
2020	$118,151	$34,977	—

Estimated taxes if purchased at asking price: ~$8,700/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.

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 1977)

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

Likely septic · 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: ~1,698 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

May 2, 2026Listed$474,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$474,000

Price / Sq Ft$343

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,382

Acres2.09 acres

Year Built1977

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Fenced

Is WaterfrontNo

Community Information

Address4143 Everett Avenue, Middleburg, FL 32068

Area141-Middleburg NW

SubdivisionMetes & Bounds

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size91,040.4 sq ft

Parcel Number14052400635100400

Amenities

UtilitiesCable Connected, Electricity Connected

SewerSeptic Tank

Water SourcePrivate, Well

ParkingAdditional Parking, Circular Driveway, Garage, Garage Door Opener, Other

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Primary Bathroom - Shower No Tub, Primary Bathroom - Tub with Shower, Smart Thermostat, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringVinyl

# of Stories1

LevelsOne

Window FeaturesSkylight(s)