Active·76 days on market
3816 Woodmere Lane
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
Discover unique charm and endless potential on a private 0.57-acre lot at the end of the street! This 1,188 sq ft, 2-bedroom, 1 full, 1 half bath home features stunning pecky wood craftsmanship and a built-in wooden bar ideal for entertaining. The primary suite boasts an updated huge walk-in closet and a large jetted garden tub with separate shower. Outdoors, enjoy a peaceful flowing water garden out front, mature fruit trees, and a fully fenced yard. Structural highlights include a durable metal roof and a whole-house generator for total peace of mind. Exceptional storage and workspace options abound with an extra-large work warehouse--perfect for storing equipment or running a business--plus two additional outbuildings and a convenient circular driveway. Located just minutes from the Main Street boat ramp, local park, fishing, and hiking trails! WH 2026, AC 2008 (Some rooms have been virtual staged and front over hang)
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.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Metal — year not disclosed (home built 1976)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,675 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $209,169 | $59,612 | — |
| 2024 | $202,924 | $57,225 | — |
| 2023 | $200,790 | $54,102 | — |
| 2022 | $167,749 | $51,070 | — |
| 2021 | $129,461 | $48,127 | — |
| 2020 | $120,299 | $46,773 | — |
2025 property taxes (current owner): $1,429/yr
Estimated taxes if purchased at asking price: ~$5,500/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
- Sep 23, 2026Price change$299,000−$11,000
- Sep 2, 2026Price change$310,000−$10,000
- Aug 26, 2026Price change$320,000−$5,000
- Jul 26, 2026Active$325,000
- Jul 7, 2026Withdrawn$325,000
- Jul 3, 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 $247/sq ft; this home is listed at $252/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2051 Cornell Road, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLC | Sep 2026 | $295,000 | $213 | 3/2.5 | 1,384 | 34 | 0.3 |
| 2420 Pemrose Loop, Middleburg, FL 32068Listed by LGI REALTY - FLORIDA, LLC | Jul 2026 | $383,900 | $250 | 3/2 | 1,536 | 45 | 0.9 |
| 2062 Featheredge Way, Middleburg, FL 32068Listed by LGI REALTY - FLORIDA, LLC | Jun 2026 | $380,000 | $247 | 3/2 | 1,536 | 169 | 0.9 |
| 2658 Apache Court, Middleburg, FL 32068Listed by SMILEEHOUSE AUCTION CO LLC | Jul 2025 | $299,000 | $226 | 3/2 | 1,321 | 14 | 1.3 |
| 4143 Everett Avenue, Middleburg, FL 32068Listed by DALTON WADE INC | Jul 2026 | $470,000 | $340 | 3/2 | 1,382 | 9 | 1.4 |
| 4188 Great Falls Loop, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATE | Jun 2026 | $287,000 | $187 | 3/2 | 1,535 | 0 | 1.9 |
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: UNITED REAL ESTATE GALLERY
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
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