Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 49
Sold

Sold·Closed Jun 18, 2026·15 days on market

2478 Halperns Way

Middleburg, FL 32068

$460,000sold priceListed at $459,900 · 100% of asking$239/sqftMLS# 2144066
3
Beds
2
Baths
1,922
Sq Ft
1996
Built
2
Garage
No
Pool
No HOA1.23 acresSingle Family Residence1 story

About this home

Middleburg

This is the one! No HOA or CDD fees. Updated Primary Bathroom with new shower, separate tub, vanities, countertops, mirrors and fixtures. Inside the Primary bedroom is another room that could be used as an office, baby room, flex space, or build it out to make a gorgeous closet! Lots of options. Guest bathroom has new countertop, vanity, mirror and fixtures. LVP was installed throughout and there is no carpet in this home! Beautiful brick home sits on 1.23 acres, quiet and private. A detached garage can be used as a workshop, man cave, extra car space, or boat space, you name it! Lots of options on this property. Full home Generac generator. The sides and back are fully fenced.

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$2,548
Property taxesest. at asking price, Clay County$705
Estimated total, before insurance$3,253/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,135/yr · $345/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

$460,000
$92,000
Loan Term
Monthly Payment
$2,548
Principal & Interest: $2,548
Property taxes (est.): $705
Insurance (est.): $307
Estimated Total Monthly
$3,560
*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.

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 1996)

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

Solar potential: ~1,474 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 home

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: $415,000 in March 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$361,503$237,037—
2024$357,702$229,650—
2023$337,014$337,014—
2022$295,418$102,560—
2021$225,969$98,602—
2020$222,406$96,551—

2025 property taxes (current owner): $4,135/yr

Estimated taxes if purchased at asking price: ~$8,500/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 $205/sq ft; this home is listed at $239/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4355 Longmire Road, Middleburg, FL 32068Listed by REAL BROKER LLCAug 2026$299,990$2134/21,4101500.7
4354 Angora Street, Middleburg, FL 32068Listed by RIVER CITY RENTALS AND REALTYSep 2026$389,000$1953/22,00061.1
4362 Angora Street, Middleburg, FL 32068Listed by RIVER CITY RENTALS AND REALTYSep 2026$465,000$2054/32,27261.1
2775 Ravines Road, Middleburg, FL 32068Listed by OPENDOOR BROKERAGE, LLC.Sep 2026$420,000$1834/32,292771.2
32 Bitterroot Avenue, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLCSep 2026$465,000$2054/32,26471.4
40 Bitterroot Avenue, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLCSep 2026$490,000$2124/32,31511.4

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

Price$459,900
Price / Sq Ft$239
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,922
Total Structure Area2,693 sq ft
Acres1.23 acres
Year Built1996
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address2478 Halperns Way, Middleburg, FL 32068
Area144-Middleburg-SE
SubdivisionBlack Creek Park
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size53,578.8 sq ft
Lot Dimensions155x339
Parcel Number35052400669949900

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPrivate Sewer, Septic Tank
Water SourcePrivate, Well
ParkingDetached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Oven, Electric Water Heater, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringLaminate
# of Stories1
LevelsOne

Exterior

Lot DescriptionSprinklers In Front
Patio / PorchCovered, Front Porch, Rear Porch
RoofShingle
ConstructionBrick
Other StructuresWorkshop

Additional Information

Date ListedMay 7, 2026
Days on Market15
Tax Amount$4,134.69
Tax Year2025
Listing TermsConventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY

Sold by: MAVREALTY (buyer's brokerage)

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 Jun 18, 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines