$590,000Sold5 bd · 3.5 ba · 3,737 sq ft
Sold·Closed Nov 2, 2026·131 days on market
1919 Silo Oaks Place
Middleburg, FL 32068
About this home
Middleburg
5BR/4BA 1 mile from Fleming Island. Two owner's suites, office, loft, fire-pit patio, fenced yard. Gated community with lake dock. Built 2018. Step into the space, comfort, and flexibility you've been looking for in this beautifully designed home featuring an office, loft, and two owner's suites - perfect for multigenerational living. The open-concept kitchen is the heart of the home with abundant cabinetry, a Butler's pantry, and plenty of storage throughout. Custom built-in cabinets in the family room add both style and function. The main-level owner's suite offers dual vanities and walk-in shower, while the upstairs suite features two vanities, a garden tub and walk-in shower for a true retreat feel. Enjoy Florida living outdoors on the large covered lanai with built-in grill overlooking the fenced backyard and cozy fire pit patio. Gated community with dock on Doctors Lake, this home blends everyday function with peaceful waterfront living.
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).
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.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: material not specified — year not disclosed (home built 2018)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,744 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, 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 beach parking
Mickler's Landing Beachfront Parkabout 24 mi · 202 parking spaces
Closest park or preserve
Alpine Groves Parkabout 7 mi · 1 mi of trails
Closest public boat ramp
Lakeshore Park Boat Rampabout 2 mi · St. Johns River - Doctors Lake
Closest kayak & paddleboard launch
Doctors Lake Park Kayak Launchabout 1 mi · Doctors Lake
Closest grocery store
Publixabout 6 mi · 6001 Argyle Forest Blvd, 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 |
|---|---|---|---|
| 2025 | $603,186 | $346,794 | — |
| 2024 | $592,634 | $336,313 | — |
| 2023 | $578,446 | $325,062 | — |
| 2022 | $501,726 | $314,138 | — |
| 2021 | $436,616 | $303,533 | — |
| 2020 | $348,652 | $298,652 | — |
2025 property taxes (current owner): $5,809/yr
Estimated taxes if purchased at asking price: ~$10,800/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
- Nov 2, 2026Closed$595,000
- Oct 2, 2026Active Under Contract$595,000
- Sep 18, 2026Price change$595,000−$5,000
- Jul 27, 2026Price change$600,000−$25,000
- May 20, 2026Listed$625,000
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 $301/sq ft; this home is listed at $158/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3151 Nautilus Road, Middleburg, FL 32068Listed by WATSON REALTY CORP | Oct 2026 | $505,000 | $189 | 4/3 | 2,672 | 64 | 0.1 |
| 1885 Silo Oaks Place, Middleburg, FL 32068Listed by KELLER WILLIAMS ST JOHNS | Sep 2026 | $575,000 | $163 | 5/4 | 3,524 | 81 | 0.1 |
| 1928 Moorings Circle, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $610,000 | $184 | 5/5 | 3,317 | 88 | 0.3 |
| 1820 Waterbury Lane, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTY | Nov 2026 | $815,000 | $301 | 4/2.5 | 2,706 | 4 | 0.6 |
| 1846 Waterbury Lane, Fleming Island, FL 32003Listed by HERRON REAL ESTATE LLC | Oct 2026 | $1,360,000 | $379 | 5/4.5 | 3,592 | 7 | 0.7 |
| 1703 Pelican Place, Middleburg, FL 32068Listed by DJ & LINDSEY REAL ESTATE | Jul 2026 | $1,178,000 | $443 | 4/2.5 | 2,659 | 117 | 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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY
Sold by: DJ & LINDSEY REAL ESTATE (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
Similar homes in Middleburg
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Nov 2, 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines