Sold·Closed Jul 9, 2026·10 days on market
3215 Ginny Lake Drive
Middleburg, FL 32068
About this home
Middleburg
Don't miss this opportunity! With a brand-new roof and a beautiful pool at this price point, this move-in ready home is not expected to last long. Welcome home to this quaint and well-maintained 3-bedroom, 2-bathroom home nestled in a quiet, family-friendly neighborhood. Freshly updated interior paint gives the home a bright and modern feel, while the beautiful 2-year-old pool creates the perfect backyard retreat for relaxing or entertaining. Enjoy added peace of mind with a brand-new roof installed this year. The community also features a playground and dog park, offering something for everyone to enjoy. This charming home is ready for its next owners to move right in and make it their own!
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 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 2008)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,765 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.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard and pool on the east side. Today at this address: sunrise 7:27 AM, sunset 7:01 PM.
- 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 rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- 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
Last sold: $273,700 in May 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $264,911 | $264,911 | — |
| 2024 | $264,425 | $264,425 | — |
| 2023 | $245,669 | $245,669 | — |
| 2022 | $218,484 | $61,859 | — |
| 2021 | $161,862 | $58,587 | — |
| 2020 | $156,841 | $57,081 | — |
2025 property taxes (current owner): $4,399/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
- Jul 10, 2026Closed$325,000
- Jul 9, 2026Pending$325,000
- May 29, 2026Listed$325,000
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 $175/sq ft; this home is listed at $202/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3114 Zeyno Drive, Middleburg, FL 32068Listed by KALLAM REALTY GROUP PLLC | Sep 2026 | $281,500 | $175 | 3/2 | 1,608 | 149 | 0.1 |
| 3104 Zeyno Drive, Middleburg, FL 32068Listed by TATUM REALTY AND PROPERTY MANAGEMENT SERVICES | Oct 2025 | $282,000 | $161 | 4/2 | 1,750 | 27 | 0.1 |
| 3228 Deer Creek Drive, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2025 | $330,000 | $188 | 4/2 | 1,758 | 43 | 0.1 |
| 3923 Lake Crest Terrace, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $315,000 | $156 | 4/2 | 2,020 | 10 | 0.2 |
| 3804 Nature Walk Court, Middleburg, FL 32068Listed by REALHOME SERVICES AND SOLUTIONS INC | Sep 2026 | $255,150 | $123 | 5/3 | 2,067 | 100 | 0.3 |
| 2978 Ravine Hill Drive, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLC | Jul 2026 | $341,500 | $186 | 4/2.5 | 1,836 | 139 | 0.3 |
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: COLDWELL BANKER VANGUARD 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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 9, 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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