Sold·Closed Jun 30, 2026·24 days on market
1871 Ontario Court
Middleburg, FL 32068
About this home
Middleburg
Tucked away on a quiet cul-de-sac in the Habitat community, this charming Middleburg home offers comfortable Florida living with a smart split-bedroom floor plan and inviting living spaces throughout This 3-bedroom, 2-bath home features approximately 1,274 square feet of living space with a spacious family room highlighted by a cozy stone fireplace and an oversized eat-in kitchen perfect for gathering with family and friends. The primary suite offers a large walk-in closet, while the one-car garage and low-maintenance lot make everyday living simple and convenient. Conveniently located near shopping, medical facilities, schools, and the First Coast Expressway, this home combines affordability, functionality, and an ideal location in the heart of Clay County.
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.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 1993)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,654 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 homeThis 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 | $182,935 | $80,274 | — |
| 2024 | $180,830 | $77,305 | — |
| 2023 | $177,751 | $73,598 | — |
| 2022 | $162,171 | $69,999 | — |
| 2021 | $126,623 | $66,504 | — |
| 2020 | $120,165 | $64,896 | — |
2025 property taxes (current owner): $1,744/yr
Estimated taxes if purchased at asking price: ~$4,600/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.
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 $184/sq ft; this home is listed at $196/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1863 Ontario Court, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $230,000 | $183 | 3/2 | 1,260 | 2 | 0 |
| 1841 Yukon Court, Middleburg, FL 32068Listed by MOMENTUM REALTY | Sep 2026 | $195,000 | $153 | 3/2 | 1,272 | 64 | 0.1 |
| 1864 Sheraton Lakes Circle, Middleburg, FL 32068Listed by EXP REALTY LLC | Aug 2026 | $250,000 | $165 | 4/3 | 1,512 | 200 | 0.2 |
| 1828 Sherwood Drive, Middleburg, FL 32068Listed by 904 REALTY LLC | Aug 2026 | $256,000 | $190 | 3/2 | 1,350 | 6 | 0.2 |
| 3825 Hideaway Lane, Middleburg, FL 32068Listed by KELLER WILLIAMS FIRST COAST REALTY | Jun 2026 | $289,900 | $184 | 3/2 | 1,576 | 26 | 0.3 |
| 1817 Hearth Street, Middleburg, FL 32068Listed by MOMENTUM REALTY | Oct 2026 | $293,000 | $192 | 3/2 | 1,528 | 9 | 0.4 |
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: EXIT MAGNOLIA POINT 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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jun 30, 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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