$393,0005 bd · 3 ba · 2,900 sq ft
Active·5 days on market
1112 Pine Island Court
Middleburg, FL 32068
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Middleburg
NEW PRICE $393,000! SELLER WILL PAY OFF THE REMAINING CDD BOND- (approximately 11,000 dollars) WITH AN ACCEPTABLE FULL-PRICE OFFER! An incredible opportunity in the desirable Pine Ridge community! This spacious 5-bedroom, 3-bath former model home features a BRAND-NEW ROOF AND NEW DOWNSTAIRS A/C, BOTH INSTALLED IN 2026! Inside, enjoy beautiful wood flooring, granite countertops, multiple living areas, and a convenient downstairs bedroom with a full bath. The oversized primary suite offers the perfect retreat. Enjoy resort-style amenities including a swimming pool, fitness center, basketball courts, playgrounds, and more! Conveniently located near schools, shopping, dining, and parks. Don't miss this exceptional opportunity!
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 2007)
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: ~1,806 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.
As 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 7 mi · 4.6 mi of trails
Closest public boat ramp
Middleburg (Main Street) Public Boat Rampabout 3 mi · North Fork Black Creek
Closest kayak & paddleboard launch
Jennings State Forest – Indian Ford Paddling Accessabout 4 mi · Black Creek North Fork
Closest grocery store
Walmart Supercenterabout 5 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $360,977 | $191,832 | — |
| 2024 | $375,893 | $185,719 | — |
| 2023 | $380,262 | $178,854 | — |
| 2022 | $336,199 | $172,189 | — |
| 2021 | $250,441 | $165,718 | — |
| 2020 | $242,109 | $162,740 | — |
2025 property taxes (current owner): $5,854/yr
Estimated taxes if purchased at asking price: ~$7,200/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
- Nov 4, 2026Active$393,000
- Nov 4, 2026Withdrawn$393,000
- Oct 18, 2026Price change$393,000−$900
- Sep 15, 2026Price change$393,900−$100
- Jul 30, 2026Price change$394,000−$5,000
- Jun 3, 2026Listed$399,000
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 $166/sq ft; this home is listed at $136/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1474 Lantern Light Trail, Middleburg, FL 32068Listed by HOVER GIRL PROPERTIES | Sep 2026 | $355,000 | $144 | 3/2.5 | 2,472 | 83 | 0.3 |
| 1482 Lantern Light Trail, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $460,000 | $183 | 4/3 | 2,517 | 11 | 0.3 |
| 1721 Foggy Day Drive, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $365,000 | $168 | 5/3 | 2,173 | 69 | 0.4 |
| 1942 Leap Frog Lane, Middleburg, FL 32068Listed by EVERYSTATE INC | Jul 2026 | $355,000 | $145 | 4/3 | 2,454 | 185 | 0.5 |
| 3839 Trail Ridge Road, Middleburg, FL 32068Listed by HAMILTON HOUSE REAL ESTATE GROUP, LLC | Aug 2026 | $500,000 | $166 | 5/3 | 3,007 | 81 | 1.1 |
| 1881 Sage Creek Place, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $337,500 | $166 | 3/3 | 2,031 | 111 | 1.2 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
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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Krista Fracke
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