Sold·Closed Jul 10, 2026·21 days on market
1820 Shannon Lake Drive
Middleburg, FL 32068
About this home
Middleburg
Welcome to this charming 3-bedroom, 2-bathroom home with a convenient location offering easy access to shopping, dining, and schools. Move-in ready, this home features thoughtful updates, inviting living spaces, and beautiful architectural details throughout. Step inside through the double-door front entrance into a spacious living room featuring vaulted ceilings with a stunning exposed wood beam and a beautiful wood-burning stone fireplace that creates the perfect cozy focal point. The kitchen offers a breakfast bar and breakfast nook, ideal for casual dining and entertaining. Newer carpet adds a fresh feel, while a NEW ROOF will be installed for added peace of mind. Additional updates include a brand-new water heater, and brand-new oven. Enjoy Florida living year-round on the large screened lanai overlooking the backyard, complete with a new 8-foot privacy fence along the back for added seclusion. The yard also features a storage shed and an orange tree
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.
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 1985)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,737 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 homeThis 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 | $239,598 | $239,598 | — |
| 2024 | $234,053 | $224,787 | — |
| 2023 | $237,894 | $204,352 | — |
| 2022 | $185,775 | $185,775 | — |
| 2021 | $142,169 | $30,284 | — |
| 2020 | $134,494 | $29,169 | — |
2025 property taxes (current owner): $4,012/yr
Estimated taxes if purchased at asking price: ~$4,700/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
- Jul 10, 2026Closed$250,000
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 $208/sq ft; this home is listed at $189/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1807 Shannon Lake Drive, Middleburg, FL 32068Listed by HASSLE-FREE REALTY LLC | Aug 2026 | $240,000 | $219 | 3/2 | 1,096 | 48 | 0.1 |
| 1832 Blarney Circle, Middleburg, FL 32068Listed by OPENDOOR BROKERAGE, LLC. | Aug 2026 | $235,000 | $208 | 3/2 | 1,128 | 16 | 0.1 |
| 1790 Killarn Circle, Middleburg, FL 32068Listed by THE NEWCOMER GROUP | Sep 2026 | $215,000 | $199 | 3/2 | 1,080 | 94 | 0.2 |
| 1796 Killarn Circle, Middleburg, FL 32068Listed by WATSON REALTY CORP | Jul 2026 | $205,000 | $195 | 2/2 | 1,052 | 2 | 0.2 |
| 1836 Killarn Circle, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $270,000 | $246 | 3/2 | 1,096 | 17 | 0.3 |
| 1817 Hearth Street, Middleburg, FL 32068Listed by MOMENTUM REALTY | Oct 2026 | $293,000 | $192 | 3/2 | 1,528 | 9 | 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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: HERRON REAL ESTATE 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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 10, 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
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