Sold·Closed Jul 30, 2026·52 days on market
2448 Moon Harbor Way
Middleburg, FL 32068
About this home
Middleburg
**POOL HOME**WATERFRONT** Fall in love with this charming and cozy, well maintained 4 bed/2 bath waterfront home. The bright and inviting interior is filled with light and thoughtfully curated details like vaulted ceilings and accent walls. Designed with a SPLIT BEDROOM FLOOR PLAN, the layout features both a family room and a living room that boasts a FIREPLACE. The gorgeous kitchen and guest bath shine with NEW GRANITE countertops. The primary bedroom is a private retreat, boasting dual vanities and dual closets. Relax in the peaceful SCREENED-IN LANAI or step outside into your FENCED-IN BACKYARD to enjoy an in-ground pool overlooking a serene pond. An extended driveway provides plenty of parking, with space for an RV or boat. Enjoy a great location nearby SR-23 and Blanding Blvd, making commuting a breeze and putting tons of things to do, and shopping and dining at your fingertips! Don't miss out on this opportunity - schedule your showing today!
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 (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 1998)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record) · Public water · Clay County Utilities
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,792 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.
Sun & Light
Northwest-facing backyard — summer sunsets, gentle days
The listing reports the home facing southeast, which puts the backyard and pool on the northwest side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.
- The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
- Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $356,938 | $145,037 | — |
| 2024 | $353,095 | $140,102 | — |
| 2023 | $347,110 | $134,420 | — |
| 2022 | $303,688 | $133,403 | — |
| 2021 | $248,953 | $128,047 | — |
| 2020 | $225,465 | $125,582 | — |
2025 property taxes (current owner): $2,731/yr
Estimated taxes if purchased at asking price: ~$7,900/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 3, 2026Closed$430,000
- Jul 13, 2026Active Under Contract$430,000
- May 15, 2026Listed$430,000
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 $166/sq ft; this home is listed at $191/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2960 Tuscarora Trail, Middleburg, FL 32068Listed by WATSON REALTY CORP | Oct 2026 | $333,000 | $165 | 4/2 | 2,016 | 17 | 0.4 |
| 3291 Chimney Drive, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $335,000 | $160 | 4/2 | 2,100 | 78 | 0.4 |
| 2990 Tunica Trail, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Oct 2026 | $285,000 | $161 | 4/2 | 1,770 | 41 | 0.5 |
| 2982 Chief Ridaught Trail, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATE | Sep 2026 | $328,000 | $166 | 4/2 | 1,975 | 116 | 0.5 |
| 2995 Tuscarora Trail, Middleburg, FL 32068Listed by LOWEST FEE REALTY LLC | Aug 2026 | $315,500 | $178 | 4/2 | 1,770 | 46 | 0.5 |
| 3011 Angora Bay Drive, Middleburg, FL 32068Listed by FLORIDA LUXURY HOMES | Sep 2026 | $346,000 | $173 | 4/2 | 2,004 | 102 | 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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHAD AND SANDY REAL ESTATE GROUP
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 Jul 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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