Active·63 days on market
195 Yucca Street
Middleburg, FL 32068
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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Middleburg
***PRICE REDUCTION-PLEASE SHOW*** Newly renovated and updated 4-bedroom, 2-bathroom home situated on over an acre of beautiful, cleared corner lot. It has a new HVAC system, roof, well/pump, new exterior doors and wood deck. The interior has been totally remodeled and has nice upgrades, including all plumbing fixtures, kitchen and bathroom counters, countertops and cabinets. Stainless steel appliances, interior paint and all new flooring, ceiling fans etc. Very nice lay-out with a living room, den, breakfast area, dining room and a bonus room that would make a nice playroom or office. It has a 2-sided fireplace and an inside laundry room. The master bathroom has a garden tub and a shower. All amenities are close by. This is a must see. Some images in this listing have been virtually staged.
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 1999)
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: ~1,634 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 | $214,712 | $214,712 | — |
| 2024 | $206,812 | $206,812 | — |
| 2023 | $188,577 | $26,482 | — |
| 2022 | $145,363 | $28,609 | — |
| 2021 | $115,477 | $26,305 | — |
| 2020 | $97,116 | $25,245 | — |
2025 property taxes (current owner): $3,633/yr
Estimated taxes if purchased at asking price: ~$4,900/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
- Sep 15, 2026Price change$264,900−$5,000
- Aug 14, 2026Price change$269,900−$10,000
- Aug 8, 2026Active$279,900
- Jul 24, 2026Pending$279,900
- Jun 24, 2026Listed$279,900
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 $124/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4354 Angora Street, Middleburg, FL 32068Listed by RIVER CITY RENTALS AND REALTY | Sep 2026 | $389,000 | $195 | 3/2 | 2,000 | 6 | 0.5 |
| 4362 Angora Street, Middleburg, FL 32068Listed by RIVER CITY RENTALS AND REALTY | Sep 2026 | $465,000 | $205 | 4/3 | 2,272 | 6 | 0.5 |
| 128 Sesame Street, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $310,000 | $181 | 3/2 | 1,716 | 36 | 0.6 |
| 32 Bitterroot Avenue, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLC | Sep 2026 | $465,000 | $205 | 4/3 | 2,264 | 7 | 0.7 |
| 40 Bitterroot Avenue, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLC | Sep 2026 | $490,000 | $212 | 4/3 | 2,315 | 1 | 0.7 |
| 12 Bitterroot Avenue, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLC | Aug 2026 | $390,000 | $217 | 3/2 | 1,800 | 21 | 0.7 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REAL ESTATE ASSET DISPOSITION 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.
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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines