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Sold

Sold·Closed Jul 16, 2026·1 day on market

4871 Gopher Circle

Middleburg, FL 32068

$575,000sold priceListed at $575,000 · 100% of asking$293/sqftMLS# 2147783
3
Beds
2.5
Baths
1,961
Sq Ft
1992
Built
3
Garage
Yes
Pool
No HOA1.02 acresSingle Family Residence2 stories

About this home

Middleburg

This is the one you've been searching for! Over an acre of land, a HUGE 1,500-square-foot detached garage, saltwater pool, fire pit, outdoor kitchen, and more! Need room for your boat, RV, toys, and hobbies, but still want to be just 10 minutes from Publix, restaurants, and shopping? This property gives you the best of both worlds with no HOA, no CDD, and plenty of room to spread out. As you arrive, you'll be welcomed by a long private driveway leading to a gorgeous two story traditional-style home with an inviting front porch, plus an impressive detached garage with space for multiple vehicles, storage, equipment, and all your recreational toys. Step outside and discover your own backyard retreat featuring a saltwater pool with a beautiful paver surround, cozy fire pit area, a covered outdoor kitchen complete with a Weber grill, refrigerator, sink, ice maker, storage, and everything you need for entertaining family and friends.

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$3,185
Property taxesest. at asking price, Clay County$881
Estimated total, before insurance$4,066/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,123/yr · $427/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
$3,185
Principal & Interest: $3,185
Property taxes (est.): $881
Insurance (est.): $383
Estimated Total Monthly
$4,449
*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 — year not disclosed (home built 1992)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,244 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 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

Last sold: $451,000 in October 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$372,870$315,803—
2024$363,304$306,196—
2023$345,822$295,822—
2022$302,059$252,059—
2021$201,914$201,914—
2020$155,268$56,155—

2025 property taxes (current owner): $5,123/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

  • Jul 16, 2026Closed$575,000

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 $230/sq ft; this home is listed at $293/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2961 Beaver Avenue, Middleburg, FL 32068Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJul 2026$362,500$2473/21,4691160.3
4824 Dale Court, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLCSep 2026$450,000$1994/32,264730.4
4665 Gopher Street, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYApr 2026$460,000$2304/32,00040.4
4620 Burdock Court, Middleburg, FL 32068Listed by RESIDENTIAL WEALTH BUILDERS REALTY AND PROPERTY MANAGEMENTSep 2026$444,000$2454/21,809290.6
4859 Kalmia Circle, Middleburg, FL 32068Listed by WATSON REALTY CORPMay 2026$200,000$813/22,4782890.6
3139 S Deer Avenue, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATEMay 2026$215,000$1303/21,652410.6

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$575,000
Price / Sq Ft$293
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,961
Acres1.02 acres
Year Built1992
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Salt Water
Is WaterfrontNo

School Information

ElementaryMiddleburg
MiddleWilkinson

Community Information

Address4871 Gopher Circle, Middleburg, FL 32068
Area145-middleburg-SW
SubdivisionBlack Creek Park
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size44,387.64 sq ft
Parcel Number32-05-24-006698-961-00

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected
SewerSeptic Tank
Water SourcePrivate, Well
ParkingAdditional Parking, Detached, Garage

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Freezer, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Unit
Window FeaturesSkylight(s)
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesFire Pit, Outdoor Kitchen
Patio / PorchCovered, Front Porch, Patio, Porch, Rear Porch
FencingWood
RoofShingle
ConstructionWood Siding
Other StructuresOutdoor Kitchen, Workshop
Road SurfaceAsphalt, Gravel
Road FrontagePrivate Road

Additional Information

Date ListedMay 30, 2026
Days on Market1
Tax Amount$5,122.6
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS ST JOHNS

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 16, 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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20+ years · 500+ closings · NE Florida

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