Sold·Closed Jul 13, 2026·3 days on market
3154 Nautilus Road
Middleburg, FL 32068
About this home
Middleburg
Waterfront living awaits on Doctors Lake! If you've been searching for the perfect forever home, your search ends here. This stately all-brick pool home offers the ideal blend of space, comfort, and waterfront recreation. Enjoy boating, paddleboarding, water skiing, kayaking, and fishing right from your own backyard. Inside, you'll find 4 bedrooms, 3.5 bathrooms, a dedicated office, formal dining room, and three spacious living areas, providing plenty of room for both everyday living and entertaining. Relax in the sunroom while taking in peaceful water views, gather around the fireplace on cool evenings, or enjoy the flexibility of the large bonus room. The thoughtfully designed floor plan features a spacious primary suite on the main level, while three additional bedrooms upstairs provide plenty of room for family and guests. The kitchen offers solid-surface countertops, ample cabinetry, and a cozy breakfast nook overlooking the property.
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 (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1987)
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: ~1,440 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 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $717,901 | $410,002 | — |
| 2024 | $713,683 | $397,599 | — |
| 2023 | $709,475 | $384,417 | — |
| 2022 | $538,985 | $376,119 | — |
| 2021 | $495,185 | $363,694 | — |
| 2020 | $490,108 | $358,476 | — |
2025 property taxes (current owner): $6,773/yr
Estimated taxes if purchased at asking price: ~$17,200/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 13, 2026Closed$980,000
- Jun 8, 2026Listed$980,000
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 $246/sq ft; this home is listed at $286/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1885 Silo Oaks Place, Middleburg, FL 32068Listed by KELLER WILLIAMS ST JOHNS | Sep 2026 | $575,000 | $163 | 5/4 | 3,524 | 81 | 0.2 |
| 1795 Hideaway Hill Court, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $440,000 | $178 | 4/2 | 2,465 | 83 | 0.2 |
| 1703 Pelican Place, Middleburg, FL 32068Listed by DJ & LINDSEY REAL ESTATE | Jul 2026 | $1,178,000 | $443 | 4/2.5 | 2,659 | 117 | 0.6 |
| 1846 Waterbury Lane, Fleming Island, FL 32003Listed by HERRON REAL ESTATE LLC | Oct 2026 | $1,360,000 | $379 | 5/4.5 | 3,592 | 7 | 0.8 |
| 4199 Pine Road Road, Orange Park, FL 32065Listed by AVALON GROUP USA LLC | Sep 2026 | $520,000 | $195 | 4/3.5 | 2,662 | 179 | 1.1 |
| 1894 Osprey Bluff Boulevard, Fleming Island, FL 32003Listed by INI REALTY | Aug 2026 | $879,900 | $246 | 5/4.5 | 3,574 | 49 | 1.1 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
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 13, 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines