Sold·Closed Jul 31, 2026·51 days on market
4395 Cotton Gin Court
Middleburg, FL 32068
About this home
Middleburg
Country charm and nature's serenity come together on this private 1-acre cul-de-sac retreat conveniently located just minutes from the expanding Middleburg town center, hospitals and interstate access. Bring all the toys--this property features an enormous oversized detached RV garage complete with 50-amp service and abundant storage space. Tucked beyond the trees, you'll also discover a charming two-story outbuilding ideal for a she shed, detached office, studio or hobby space, complete with a deck already wired and reinforced for a future spa. Inside, this well-appointed 3-bedroom, 2-bath home offers spacious living with a large family room, formal dining area and an oversized kitchen featuring a bay window, breakfast nook and built-in desk area. Both bathrooms have been beautifully renovated, while the generously sized secondary bedrooms and oversized laundry room with extensive cabinetry and double sink provide everyday comfort and functionality. Step outback to an impressive
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 1985)
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: ~860 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 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 | $414,311 | $363,589 | — |
| 2024 | $408,623 | $355,633 | — |
| 2023 | $393,819 | $343,819 | — |
| 2022 | $319,716 | $291,490 | — |
| 2021 | $264,991 | $264,991 | — |
| 2020 | $228,872 | $228,872 | — |
2025 property taxes (current owner): $6,065/yr
Estimated taxes if purchased at asking price: ~$7,700/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.
History
Price & status history
- Aug 4, 2026Closed$425,000
- Jul 7, 2026Active Under Contract$425,000
- May 16, 2026Listed$425,000
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 $212/sq ft; this home is listed at $236/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 229 Dolphin Circle, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATE | Sep 2026 | $283,250 | $153 | 4/2 | 1,848 | 12 | 0.3 |
| 45 Mint Circle, Middleburg, FL 32068Listed by HASSLE-FREE REALTY LLC | Aug 2026 | $376,000 | $251 | 4/2 | 1,496 | 16 | 0.6 |
| 128 Sesame Street, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $310,000 | $181 | 3/2 | 1,716 | 36 | 0.7 |
| 32 Bitterroot Avenue, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLC | Sep 2026 | $465,000 | $205 | 4/3 | 2,264 | 7 | 0.8 |
| 40 Bitterroot Avenue, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLC | Sep 2026 | $490,000 | $212 | 4/3 | 2,315 | 1 | 0.8 |
| 12 Bitterroot Avenue, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLC | Aug 2026 | $390,000 | $217 | 3/2 | 1,800 | 21 | 0.8 |
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: COLDWELL BANKER VANGUARD REALTY
Sold by: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST (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.
Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 31, 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.
Northeast Florida living
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