Sold·Closed Aug 31, 2026·68 days on market
3608 Meadowgreen Lane
Middleburg, FL 32068
About this home
Middleburg
TAKING BACK-UP-OFFERS! Discover your dream home in Whisper Creek at 3608 Meadowgreen Lane. This beautifully 4-bedroom, c2-bath residence offers 2,331 square feet of spacious living. The open floor plan features granite countertops in the kitchen, a large master suite with his-and-her walk-in closets, and a split bedroom layout. Move-in ready and priced to sell, it's located in a low- HOA neighborhood with sidewalks, a park, and street lighting. Key Features: * 4 bedrooms, 2 baths * 2,331 square feet * New roof 2021 * Water heater replaced. * Luxury vinyl plank flooring in kitchen and foyer * Carpet in the bedrooms * Spacious backyard perfect for cookouts or a future pool Nearby Amenities: * Coppergate Elementary (1.25 miles) * Wilkinson Junior High (4 miles) * Ridgeview High School (2.1 miles) * Ascension St. Vincent's Clay County Hospital (minutes away) * Clay Town Center for shopping and dining * Close to parks and nature preserves
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 — 2021 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,749 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 | $334,745 | $112,777 | — |
| 2024 | $329,954 | $108,892 | — |
| 2023 | $323,245 | $104,265 | — |
| 2022 | $298,496 | $99,772 | — |
| 2021 | $224,206 | $95,410 | — |
| 2020 | $209,423 | $93,403 | — |
2025 property taxes (current owner): $2,239/yr
Estimated taxes if purchased at asking price: ~$6,100/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
- Aug 31, 2026Closed$350,000
- Aug 22, 2026Pending$350,000
- Jul 14, 2026Active Under Contract$350,000
- Jun 14, 2026Listed$350,000
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 $169/sq ft; this home is listed at $150/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1821 Heartpine Drive, Middleburg, FL 32068Listed by MARK SPAIN REAL ESTATE | Sep 2026 | $298,000 | $151 | 4/2 | 1,977 | 134 | 0.3 |
| 3284 Talisman Drive, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLC | Jul 2026 | $308,000 | $132 | 4/2.5 | 2,341 | 0 | 1 |
| 1794 Penzance Parkway, Middleburg, FL 32068Listed by WATSON REALTY CORP | Jul 2026 | $309,500 | $175 | 3/2 | 1,766 | 7 | 1.1 |
| 1225 Bee Street N, Orange Park, FL 32065Listed by UNITED REAL ESTATE GALLERY | Jul 2026 | $311,727 | $176 | 4/2 | 1,776 | 75 | 1.3 |
| 1207 Camp Ridge Lane, Middleburg, FL 32068Listed by KELLER WILLIAMS ST JOHNS | Aug 2026 | $320,000 | $169 | 4/2 | 1,896 | 67 | 1.5 |
| 1474 Lantern Light Trail, Middleburg, FL 32068Listed by HOVER GIRL PROPERTIES | Sep 2026 | $355,000 | $144 | 3/2.5 | 2,472 | 83 | 1.6 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
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
This home sold on Aug 31, 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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