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Active

Active·58 days on market

25 Currant Avenue

Middleburg, FL 32068

$479,900$215/sqftEst. $2,475/moMLS# 2149996
3
Beds
2
Baths
2,231
Sq Ft
2004
Built
4
Garage
No
Pool

About this home

Middleburg

PRICED FOR A QUICK SALE!!! Make an OFFER!!! Horse Lovers Delight on 3.46 acres!! This ONE owner custom built home offers a split bedroom layout. Fresh paint, windows galore, oversized living room, an extensive amount of kitchen cabinets, vaulted ceiling & large walk-in closets. Massive 30 x 35 cinder block SHOP or garage with roll up double doors. Huge carport!! Fully fenced and perfect for your Horse, Goats, animals with so much privacy. This vinyl sided home has a covered full length front, side & back porch. Separate laundry/mud room off the kitchen. Primary bathroom has a soaking tub & separate shower. Sellers are downsizing so please look past the boxes as they are packing everything. 20x10 & a 10x8 shed stay. Need at least an hour notice so seller can put ''Foxi'' the horse in his stall and take the dogs for a ride. Original floor plans are in the 3rd bedroom closet to view.

Cost to own

Mortgage calculator

$479,900
$95,980
Loan Term
Monthly Payment
$2,475
Principal & Interest: $2,475
Property taxes (est.): $735
Insurance (est.): $320
Estimated Total Monthly
$3,530
*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.69% · 30yr$2,475
Property taxesest. at asking price, Clay County$735
Estimated total, before insurance$3,210/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,094/yr · $258/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).

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$436,919$168,778—
2024$408,033$163,314—
2023$392,985$157,101—
2022$354,370$151,069—
2021$295,617$145,213—
2020$289,739$142,518—

2025 property taxes (current owner): $3,094/yr

Estimated taxes if purchased at asking price: ~$8,800/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.

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 2004)

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: ~1,736 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 home

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 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.

History

Price & status history

  • Aug 8, 2026Price change$479,900−$2,100
  • Aug 3, 2026Price change$482,000−$7,900
  • Jul 24, 2026Price change$489,900−$15,000
  • Jul 22, 2026Price change$504,900−$4,000
  • Jul 17, 2026Price change$508,900−$6,000
  • Jul 15, 2026Price change$514,900−$15,000
  • Jul 13, 2026Price change$529,900−$35,000
  • Jul 8, 2026Price change$564,900−$1,100
  • Jun 11, 2026Listed$566,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$479,900
Price / Sq Ft$215
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,231
Acres3.46 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages4
# of Carport Spaces2
Has PoolNo
Is WaterfrontNo

Community Information

Address25 Currant Avenue, Middleburg, FL 32068
Area141-Middleburg NW
SubdivisionMiddleburg
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size150,717.6 sq ft
Parcel Number17052400640900500
ZoningResidential

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourcePrivate, Well
ParkingAdditional Parking, Carport, Covered, Detached, Garage, RV Access/Parking, Other
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Electric Water Heater, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringConcrete, Tile, Wood
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Sink, Washer Hookup

Exterior

Lot DescriptionWooded
Patio / PorchCovered, Front Porch, Patio, Rear Porch, Side Porch
FencingFenced
RoofShingle
ConstructionVinyl Siding
Other StructuresShed(s), Workshop
Road SurfaceDirt
Road FrontageCounty Road

Additional Information

Date ListedJune 11, 2026
Days on Market58
Tax Amount$3,093.59
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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