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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville — a home near Middleburg High School.

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Active

$575,0004 bd · 3 ba · 2,512 sq ft

Active·166 days on market

6281 County Road 218

Jacksonville, FL 32234

$575,000$229/sqftEst. $3,135/mo mortgageMLS# 2147328
↓ $64,000 below original list
4
Beds
3
Baths
2,512
Sq Ft
1973
Built
—
Garage
No
Pool
House in Zone XNo HOA16.50 acresSingle Family Residence1 story

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

Escape to peaceful country living on 16.5 fully fenced & gated acres with endless possibilities! This well maintained 4BR/3BA brick home offers approx. 2,500 sq ft with fully tiled flooring throughout and no carpet. Features include gorgeous brick accents, spacious kitchen, 2 fireplaces, glassed Florida room, large attached carport, and 500 amp electric service. Detached air-conditioned storage building could easily convert to a guest house with plumbing added. Property includes horse paddock and AG/Residential zoning with potential to split into 5-acre parcels minimum. Bring horses, chickens, and animals for personal use with no HOA. Updates include new roof July 2025, AC 2023, and recent Interior and exterior paint. Rare opportunity for private, flexible country living. (3rd full bath located in room off carport.)

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$3,135
Property taxesest. at asking price, Clay County$881
Estimated total, before insurance$4,016/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,033/yr · $503/mo
  • • 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

$575,000
$115,000
Loan Term
Monthly Payment
$3,135
Principal & Interest: $3,135
Property taxes (est.): $881
Insurance (est.): $383
Estimated Total Monthly
$4,399
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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 49% of this 16-acre lot, away from the house; the rest is Zone X (minimal) 51%. 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: Shingle — year not disclosed (home built 1973)

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: ~1,469 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.

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.

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

YearMarket valueTaxable valueChange
2025$412,213$361,491—
2024$393,266$146,290—
2023$361,892$140,573—
2022$309,157$135,023—
2021$254,976$129,634—
2020$248,054$127,154—

2025 property taxes (current owner): $6,033/yr

Estimated taxes if purchased at asking price: ~$10,600/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

  • Oct 17, 2026Price change$575,000−$24,000
  • Sep 24, 2026Price change$599,000−$16,000
  • Sep 18, 2026Price change$615,000−$14,000
  • Aug 14, 2026Price change$629,000−$5,000
  • Jul 15, 2026Price change$634,000−$5,000
  • May 27, 2026Listed$639,000

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 $157/sq ft; this home is listed at $229/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1000 County Road 217, Jacksonville, FL 32234Listed by KELLER WILLIAMS REALTY AT THE LAKESDec 2025$450,000$2034/22,2195580.6
812 Jonathan Road, Jacksonville, FL 32234Listed by KELLER WILLIAMS JACKSONVILLEMay 2025$300,000$1473/2.52,043121.6
740 Linda Lane, Middleburg, FL 32068Listed by KELLER WILLIAMS ST JOHNSJun 2026$310,000$1574/21,97652
1723 Breezewood Street, Jacksonville, FL 32234Listed by PURSUIT REAL ESTATE, LLCOct 2026$355,000$1343/22,64062.3
1723 Breezewood Street, Jacksonville, FL 32234Listed by MARK SPAIN REAL ESTATEJul 2026$185,000$703/22,640732.3
6067 War Admiral Road, Jacksonville, FL 32234Listed by HERRON REAL ESTATE LLCOct 2026$1,050,000$3564/32,950982.4

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

Price$575,000
Price / Sq Ft$229
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,512
Total Structure Area3,608 sq ft
Acres16.50 acres
Year Built1973
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Carport Spaces2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryClay Hill
MiddleWilkinson

Community Information

Address6281 County Road 218, Jacksonville, FL 32234
Area145-middleburg-SW
SubdivisionClay Hill
CityJacksonville
CountyClay
StateFL
Zip Code32234
Lot Size718,740 sq ft
Parcel Number21042300014800000
ZoningAgricultural

Amenities

UtilitiesElectricity Connected, Sewer Connected
SewerSeptic Tank
Water SourcePrivate, Well
ParkingAttached Carport, Gated
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs
AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringTile
FireplaceYes
# of Fireplaces2
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Lot DescriptionAgricultural, Cleared, Split Possible, Wooded
Patio / PorchGlass Enclosed, Rear Porch
FencingChain Link, Full
RoofShingle
ConstructionBrick
Other StructuresBarn(s), Workshop
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedMay 27, 2026
Days on Market166
Tax Amount$6,032.9
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ALL REAL ESTATE OPTIONS INC

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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