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

Sold·Closed Jul 8, 2026·0 days on market

1563 Graduation Lane

Middleburg, FL 32068

$258,500sold priceListed at $255,000 · 101.4% of asking$191/sqftMLS# 2147364
3
Beds
2
Baths
1,354
Sq Ft
1997
Built
1
Garage
No
Pool
No HOA6,970 sqft lotSingle Family Residence1 story

About this home

Middleburg

Beautifully updated and exceptionally maintained, this move-in ready home in the established College Park community offers incredible value. Featuring 3 bedrooms, 2 bathrooms, and over 1,350 sq ft of living space, the home showcases numerous updates including brand new windows with lifetime warranty and Smart Green certification, fresh paint in the kitchen and spare bathroom, retiled kitchen, new LVP flooring installed in 2025, and a roof replaced in 2020. The HVAC received a new motor in 2024, and all 2020 GE appliances convey, along with a brand new washer and dryer. Additional upgrades include a 2023 garbage disposal and a fully fenced backyard perfect for entertaining, pets, or relaxing outdoors. The spacious layout offers abundant natural light, a cozy fireplace, generous living areas, and comfortable everyday living. Conveniently located near shopping, dining, schools, parks, and major roadways, this home combines affordability, modern updates, all in an excellent location.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,432
Property taxesest. at asking price, Clay County$396
Estimated total, before insurance$1,828/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,264/yr · $105/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

$258,500
$51,700
Loan Term
Monthly Payment
$1,432
Principal & Interest: $1,432
Property taxes (est.): $396
Insurance (est.): $172
Estimated Total Monthly
$2,000
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 — 2020 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,655 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 home

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$224,130$48,795—
2024$221,292$46,713—
2023$206,559$43,897—
2022$180,703$41,163—
2021$136,401$38,508—
2020$125,723$37,286—

2025 property taxes (current owner): $1,264/yr

Estimated taxes if purchased at asking price: ~$4,800/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

  • Jul 9, 2026Closed$255,000

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 $187/sq ft; this home is listed at $188/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1647 Rhonda Drive, Middleburg, FL 32068Listed by ENTERA REALTY LLCSep 2026$243,000$2073/21,172480.3
1695 Sandy Hollow Loop, Middleburg, FL 32068Listed by DJ & LINDSEY REAL ESTATEAug 2026$325,000$1863/21,74850.3
1658 Evergreen Lane E, Middleburg, FL 32068Listed by RE/MAX SPECIALISTSSep 2026$137,600$1023/21,3481710.4
2706 Tina Lane, Middleburg, FL 32068Listed by COLDWELL BANKER BEN BATES INCOct 2026$220,000$1874/21,174530.5
2702 Pinewood Boulevard N, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$242,000$2193/21,104130.5
1670 Anne Drive, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$240,000$1624/21,478270.6

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

Price$255,000
Price / Sq Ft$188
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,354
Acres0.16 acres
Year Built1997
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo

School Information

ElementaryMiddleburg
MiddleWilkinson

Community Information

Address1563 Graduation Lane, Middleburg, FL 32068
Area146-Middleburg-NE
SubdivisionCollege Park
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size6,969.6 sq ft
Parcel Number35042500820100045
ZoningResidential

Amenities

Community FeaturesSidewalks, Street Lights, Curbs
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available
SewerPublic Sewer
Water SourcePublic
Green / EnergyWindows
ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Smart Thermostat
AppliancesConvection Oven, Dishwasher, Electric Oven, Gas Oven, Gas Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
SecuritySmoke Detector(s)

Exterior

FencingFull
RoofShingle
ConstructionStucco, Wood Siding

Additional Information

Date ListedJune 2, 2026
Days on Market0
Tax Amount$1,263.57
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ENDLESS SUMMER 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 8, 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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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