Active·Listed today
3649 Luxor Way
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
Where style meets smart living, discover a new way to feel at home at the District at Oakleaf. Designed for the way you live today, these homes feature spray foam insulation and a Clean Air Home system for lasting comfort and efficiency. At the center, a spacious kitchen island flows effortlessly into the main living area--perfect for gathering, relaxing, and entertaining. Thoughtful finishes include Whirlpool stainless steel appliances, washer and dryer, blinds, quartz or granite countertops, and 42-inch upper cabinets. Stay connected with a smart home package offering front door camera, keyless entry, and thermostat control from your phone. Enjoy resort-style amenities including a cabana and pool (coming soon), play area, and a dog park. Ideally located near NAS Jax with easy access to Oakleaf Town Center for shopping, dining, and entertainment. No CDD fees.
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.
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 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,780 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.
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
Sal Taylor Creek Preserveabout 6 mi · 4.6 mi of trails
Closest public boat ramp
Old Ferry Public Boat Ramp (aka. Rideout Ferry)about 6 mi · St. Johns River - Black Creek
Closest kayak & paddleboard launch
Doctors Lake Park Kayak Launchabout 6 mi · Doctors Lake
Closest grocery store
Publixabout 2 mi · 9518 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.
History
Price & status history
- Oct 23, 2026Active$248,990
- Oct 4, 2026Withdrawn$248,990
- Jul 31, 2026Price change$248,990−$2,000
- Jul 16, 2026Price change$250,990
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 $178/sq ft; this home is listed at $177/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3629 Luxor Way, Middleburg, FL 32068Listed by MERITAGE HOMES OF FLORIDA REALTY | Oct 2026 | $249,990 | $178 | 3/2.5 | 1,406 | 43 | 0 |
| 3746 Cairo Way, Middleburg, FL 32068Listed by MERITAGE HOMES OF FLORIDA REALTY | Sep 2026 | $309,990 | $171 | 3/2.5 | 1,813 | 52 | 0 |
| 3786 Cairo Way, Middleburg, FL 32068Listed by MERITAGE HOMES OF FLORIDA REALTY | Aug 2026 | $293,000 | $183 | 3/2.5 | 1,598 | 10 | 0 |
| 3645 Luxor Way, Middleburg, FL 32068Listed by MERITAGE HOMES OF FLORIDA REALTY | Aug 2026 | $255,000 | $181 | 3/2.5 | 1,406 | 32 | 0 |
| 3641 Luxor Way, Middleburg, FL 32068Listed by MERITAGE HOMES OF FLORIDA REALTY | Aug 2026 | $244,990 | $174 | 3/2.5 | 1,406 | 105 | 0 |
| 3633 Luxor Way, Middleburg, FL 32068Listed by MERITAGE HOMES OF FLORIDA REALTY | Jul 2026 | $263,990 | $178 | 3/2.5 | 1,482 | 41 | 0 |
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: MERITAGE HOMES OF FLORIDA REALTY
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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Pending3626 Luxor WayMiddleburg, FL 32068
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Krista Fracke
Broker Associate
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