Active·30 days on market
4883 Gopher Circle
Middleburg, FL 32068
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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Middleburg
Phenominal Estate Property in Black Creek Park. Large private corner lot with a gated circular driveway. Detached screen enclosed Inground pool. Cedar frame home with a private park setting in Open floor plan with vaulted Pine ceilings. Split bedroom 4 bed 2 bath home. Bring your vision and turn this into a beauty with upgrades and colors. Price reflects the significant equity potential for the savvy buyer. No CDD fees or HOA. All offers most be submitted on Bidonhomes site see documents for link. If you have a Lic Agent. Pls have them included Buyers If you are requesting a showing on Zillow you are NOT reaching the Listing Agent FYI. Agents please see private remarks:
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: material not specified — year not disclosed (home built 1986)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Private well (public record)
County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,130 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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 | $375,939 | $140,387 | — |
| 2024 | $367,201 | $135,724 | — |
| 2023 | $350,529 | $130,315 | — |
| 2022 | $306,318 | $125,064 | — |
| 2021 | $238,737 | $119,966 | — |
| 2020 | $235,270 | $117,620 | — |
2025 property taxes (current owner): $2,661/yr
Estimated taxes if purchased at asking price: ~$5,700/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 15, 2026Price change$309,900−$15,000
- Jul 17, 2026Price change$324,900−$25,000
- Jun 13, 2026Listed$349,900
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 $245/sq ft; this home is listed at $150/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4871 Gopher Circle, Middleburg, FL 32068Listed by KELLER WILLIAMS ST JOHNS | Jul 2026 | $575,000 | $293 | 3/2.5 | 1,961 | 1 | 0.1 |
| 2961 Beaver Avenue, Middleburg, FL 32068Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jul 2026 | $362,500 | $247 | 3/2 | 1,469 | 116 | 0.3 |
| 4824 Dale Court, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLC | Sep 2026 | $450,000 | $199 | 4/3 | 2,264 | 73 | 0.4 |
| 4665 Gopher Street, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Apr 2026 | $460,000 | $230 | 4/3 | 2,000 | 4 | 0.4 |
| 4620 Burdock Court, Middleburg, FL 32068Listed by RESIDENTIAL WEALTH BUILDERS REALTY AND PROPERTY MANAGEMENT | Sep 2026 | $444,000 | $245 | 4/2 | 1,809 | 29 | 0.6 |
| 4859 Kalmia Circle, Middleburg, FL 32068Listed by WATSON REALTY CORP | May 2026 | $200,000 | $81 | 3/2 | 2,478 | 289 | 0.6 |
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: RE/MAX SPECIALISTS
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
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Text Krista about this home20+ years · 500+ closings · NE Florida
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