Sold·Closed Sep 4, 2026·56 days on market
2140 Tom Thumb Road
Middleburg, FL 32068
About this home
Middleburg
Over 5 acres approximately 1.5 ares cleared! Escape to peace and privacy with this charming 2 bedroom, 2 bathroom home nestled on 5 beautiful acres where wildlife and tranquility abound in the heart of historic Middleburg. There is a potential 3rd bedroom, all that is needed is a door! This property offers the perfect setting to relax and enjoy country living while still having the comforts of home. Recent updates include a new ROOF, new WINDOWS new WATER HEATER and new CARPET in the bedrooms, providing added value and comfort. A versatile bonus room/office with its own outside entrance offers endless possibilities for working from home, hobbies, or guest space. A beautiful wood burning stove adds to the ambience on those cool nights. Whether you're enjoying the quiet surroundings, watching deer and native wildlife roam, or simply soaking in the serenity, this property is a rare retreat you won't want to miss.
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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone SPBC
Check floridadisaster.org/knowyourzone for what this designation means locally.
Roof: Shingle — year not disclosed (home built 1995)
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: ~1,408 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.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:27 AM, sunset 7:01 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $282,363 | $70,283 | — |
| 2024 | $272,596 | $67,595 | — |
| 2023 | $268,281 | $64,170 | — |
| 2022 | $230,478 | $60,845 | — |
| 2021 | $181,279 | $57,617 | — |
| 2020 | $168,661 | $56,132 | — |
2025 property taxes (current owner): $1,591/yr
Estimated taxes if purchased at asking price: ~$6,200/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
- Sep 9, 2026Closed$349,950
- Jul 18, 2026Active Under Contract$349,950
- Jul 13, 2026Price change$349,950−$10,050
- May 25, 2026Listed$360,000
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 $189/sq ft; this home is listed at $199/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2051 Cornell Road, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLC | Sep 2026 | $295,000 | $213 | 3/2.5 | 1,384 | 34 | 0.4 |
| 3967 Lake Crest Terrace, Middleburg, FL 32068Listed by FREEDOM REALTY GROUP LLC | Sep 2026 | $347,500 | $153 | 4/3 | 2,274 | 96 | 0.8 |
| 2418 Jennings Farm Drive, Middleburg, FL 32068Listed by OLYMPUS EXECUTIVE REALTY, INC | Sep 2026 | $415,000 | $189 | 4/3 | 2,190 | 125 | 0.9 |
| 3804 Nature Walk Court, Middleburg, FL 32068Listed by REALHOME SERVICES AND SOLUTIONS INC | Sep 2026 | $255,150 | $123 | 5/3 | 2,067 | 100 | 0.9 |
| 3957 Gareys Ferry Way, Middleburg, FL 32068Listed by MOMENTUM REALTY | Aug 2026 | $434,900 | $209 | 4/2.5 | 2,085 | 43 | 0.9 |
| 3923 Lake Crest Terrace, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $315,000 | $156 | 4/2 | 2,020 | 10 | 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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
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 Sep 4, 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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