$245,000Sold3 bd · 2.5 ba · 1,896 sq ft
Sold·Closed Sep 29, 2026·95 days on market
3083 Zeyno Drive
Middleburg, FL 32068
About this home
Middleburg
Welcome home to this beautifully updated townhome in a quiet, amenity rich Middleburg community at 3083 Zeyno Drive, FL 32068. Listings here are rare, and this move in ready home combines modern finishes with a comfortable, functional layout perfect for everyday living, first time buyers, downsizers, or an easy low maintenance investment. Step inside to an inviting main living area that flows into a tastefully updated kitchen, featuring modern cabinetry, updated counters, and stylish finishes that make cooking and entertaining a pleasure. The adjacent dining and living spaces create an open, airy feel with plenty of room to relax or host guests.
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).
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 2017)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record) · Public water · Clay County Utilities
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,758 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, 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.
Closest park or preserve
Sal Taylor Creek Preserveabout 12 mi · 4.6 mi of trails
Closest public boat ramp
Middleburg (Main Street) Public Boat Rampabout 1 mi · North Fork Black Creek
Closest kayak & paddleboard launch
Jennings State Forest – Indian Ford Paddling Accessabout 5 mi · Black Creek North Fork
Closest grocery store
Walmart Supercenterabout 10 mi · 10000 Omni Dr, 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.
Cost to own
Taxes & assessment
Last sold: $250,000 in December 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $239,550 | $57,238 | — |
| 2024 | $233,581 | $53,368 | — |
| 2023 | $229,515 | $98,756 | — |
| 2022 | $220,714 | $170,714 | — |
| 2021 | $175,700 | $106,063 | — |
| 2020 | $173,077 | $103,909 | — |
2025 property taxes (current owner): $1,715/yr
Estimated taxes if purchased at asking price: ~$4,500/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 1, 2026Closed$260,000
- Sep 3, 2026Active Under Contract$260,000
- Aug 24, 2026Active$260,000
- Aug 10, 2026Active Under Contract$260,000
- Jul 29, 2026Price change$260,000−$7,500
- Jul 9, 2026Price change$267,500−$2,500
- May 29, 2026Listed$270,000
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 $153/sq ft; this home is listed at $129/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3898 Green View Terrace, Middleburg, FL 32068Listed by WATSON REALTY CORP | Jun 2026 | $265,000 | $153 | 3/2 | 1,736 | 35 | 0.6 |
| 4154 Quiet Creek Loop 135, Middleburg, FL 32068Listed by WATSON REALTY CORP | Nov 2025 | $240,750 | $161 | 3/2.5 | 1,498 | 385 | 0.6 |
| 4190 Quiet Creek Loop, Middleburg, FL 32068Listed by 904 REALTY LLC | Nov 2025 | $297,000 | $160 | 3/2 | 1,859 | 645 | 0.6 |
| 4186 Quiet Creek, Middleburg, FL 32068Listed by ENDLESS SUMMER REALTY | Aug 2025 | $199,000 | $123 | 3/2.5 | 1,620 | 276 | 0.6 |
| 2105 Windward Cay Lane, Middleburg, FL 32068Listed by LENNAR REALTY INC | Dec 2025 | $237,490 | $133 | 3/2.5 | 1,782 | 38 | 2.2 |
| 2125 Windward Cay Lane, Middleburg, FL 32068Listed by LENNAR REALTY INC | Dec 2025 | $231,080 | $135 | 3/2.5 | 1,707 | 7 | 2.3 |
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: MOMENTUM REALTY
Sold by: FLORIDA HOMES REALTY & MTG LLC (buyer's brokerage)
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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Krista Fracke
Broker Associate
This home sold on Sep 29, 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.
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