$485,000Active Under Contract4 bd · 2 ba · 1,943 sq ft
Active Under Contract·175 days on market
5214 Carter Spencer Road
Middleburg, FL 32068
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Middleburg
Horse property in Middleburg with nearly 18 acres of high, dry, fenced pasture. Good grass stays green year-round, even through drought, with no wet or swampy areas. Includes a 6-stall barn plus a second older barn for storage, a shed, or a chicken coop. Two horses are currently on the property. Two 2-bedroom, 1-bath homes sit on the one parcel, a rare setup that gives you a place to live plus a caretaker, family, or rental house. Both are sold as-is with no repairs; one has a new metal roof. Seller is open to some financing with the right offer. No HOA. Private well and septic. Includes 5212 and 5214 Carter Spencer Rd. Priced to sell for a parcel this size. Must see to appreciate.
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.
The house sits in FEMA Zone X (minimal flood hazard)
Zone A covers 11% of this 17-acre lot, away from the house; the rest is Zone X (minimal) 89%. The house's position comes from its roof outline in Google's aerial imagery, read against FEMA's map. The lender's flood determination, a survey or an elevation certificate makes it official.
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: Metal, Shingle — year not disclosed (home built 1940)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Private Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,544 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.
As 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Cecil Field Conservation Corridorabout 9 mi · 24.6 mi of trails
Closest public boat ramp
Middleburg (Main Street) Public Boat Rampabout 6 mi · North Fork Black Creek
Closest kayak & paddleboard launch
Jennings State Forest – Indian Ford Paddling Accessabout 4 mi · Black Creek North Fork
Closest grocery store
Walmart Supercenterabout 11 mi · 10000 Omni Dr, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $261,421 | $23,623 | — |
| 2025 | $260,410 | $21,025 | — |
| 2024 | $235,504 | $18,316 | — |
| 2023 | $224,458 | $14,870 | — |
| 2022 | $189,213 | $61,525 | — |
| 2021 | $149,338 | $58,277 | — |
| 2020 | $149,240 | $56,783 | — |
2025 property taxes (current owner): $1,521/yr
Estimated taxes if purchased at asking price: ~$8,700/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 901 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.
History
Price & status history
- Sep 30, 2026Active Under Contract$485,000
- Sep 14, 2026Price change$485,000−$14,900
- May 19, 2026Listed$499,900
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 $150/sq ft; this home is listed at $250/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5277 Otter Lane, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | May 2026 | $317,000 | $150 | 3/2 | 2,112 | 6 | 0.5 |
| 5181 Antler Trail, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATE | Aug 2026 | $330,000 | $145 | 4/2 | 2,280 | 0 | 0.8 |
| 79 Melanie Lane, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATE | Sep 2026 | $325,000 | $164 | 4/2 | 1,976 | 64 | 0.9 |
| 5012 Laurel Street, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $670,000 | $298 | 4/3 | 2,245 | 90 | 0.9 |
| 2355 Walters Road, Middleburg, FL 32068Listed by JOSEPH WALTER REALTY LLC | Jul 2026 | $300,000 | $141 | 4/3 | 2,128 | 40 | 0.9 |
| 79 Melanie Lane, Middleburg, FL 32068Listed by TOP SOURCE REALTY LLC | May 2026 | $233,800 | $118 | 4/2 | 1,976 | 11 | 0.9 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: AT HOME REALTY SERVICES, LLC.
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
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