Sold·Closed Aug 14, 2026·32 days on market
1322 Warbler Way
Middleburg, FL 32068
About this home
Middleburg
Discover the perfect haven for your family in this exquisite 4-bedroom, 3.5-bathroom home, designed for generational living and comfort. Built in 2016, this modern residence boasts two primary bedrooms, each with its own ensuite, making it ideal for multi-family arrangements. Enjoy the convenience of one ADA-compliant ensuite that ensures accessibility for all. Step inside to find a beautiful additions like upgraded lighting, fans, motorized window shades, a custom closet system, a double oven for culinary enthusiasts, and a spacious Florida sunroom with double sliders that invites the outdoors in. The whole-home water purification system guarantees pure water throughout, while the spray foam insulation offers energy efficiency year-round. The outdoor space is equally impressive, featuring a paver patio with a seating ledge, perfect for a fire pit or a dining table and BBQ grill. Transition from large gatherings to quiet evenings overlooking the serene pond from the fully fenced yard.
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 2016)
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: ~1,789 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:27 AM, sunset 7:01 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $440,766 | $254,976 | — |
| 2024 | $423,935 | $247,083 | — |
| 2023 | $414,750 | $238,431 | — |
| 2022 | $367,255 | $230,031 | — |
| 2021 | $300,047 | $221,875 | — |
| 2020 | $276,164 | $218,122 | — |
2025 property taxes (current owner): $7,138/yr
Estimated taxes if purchased at asking price: ~$9,500/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
- Aug 15, 2026Closed$525,000
- Jul 14, 2026Active Under Contract$525,000
- Jul 8, 2026Price change$525,000−$10,000
- Jun 12, 2026Listed$535,000
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 $170/sq ft; this home is listed at $187/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3839 Trail Ridge Road, Middleburg, FL 32068Listed by HAMILTON HOUSE REAL ESTATE GROUP, LLC | Aug 2026 | $500,000 | $166 | 5/3 | 3,007 | 81 | 0.3 |
| 1415 King Rail Lane, Middleburg, FL 32068Listed by GAILEY ENTERPRISES LLC | Jun 2026 | $500,000 | $170 | 4/3 | 2,936 | 61 | 0.3 |
| 4339 Song Sparrow Drive, Middleburg, FL 32068Listed by TRINITY REAL ESTATE III LLC | Jun 2026 | $383,000 | $110 | 4/4 | 3,479 | 101 | 0.4 |
| 4268 Powderhorn Court, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Jun 2026 | $865,000 | $258 | 4/3 | 3,357 | 0 | 0.4 |
| 4588 Golf Brook Road, Orange Park, FL 32065Listed by EXP REALTY LLC | Oct 2026 | $375,300 | $151 | 4/3 | 2,492 | 93 | 0.7 |
| 4616 Golf Brook Road, Orange Park, FL 32065Listed by ERA ONETEAM REALTY | Jul 2026 | $595,000 | $190 | 4/3.5 | 3,127 | 31 | 0.7 |
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: SHOE REALTY INC
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 Aug 14, 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.
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