$305,900Sold3 bd · 2 ba · 1,263 sq ft
Sold·Closed Oct 7, 2026·47 days on market
1586 Harvest Cove Drive
Middleburg, FL 32068
About this home
Middleburg
Well-maintained 3-bedroom, 2-bath home with ample living space and several major updates already completed. The roof is only a few months old, the HVAC was replaced in 2025, and the hot water heater is less than one year old. Inside, you'll find tile flooring throughout with no carpet, knockdown ceilings, and a spacious owner's suite featuring a garden tub/shower combination. A pull-down attic ladder provides easy access to additional storage. The garage, front patio, and back patio all feature durable epoxy-coated floors, adding both style and functionality. Step outside to an oversized backyard with partial fencing and plenty of room for outdoor activities, entertaining, pets, or future improvements. Conveniently located near shopping, restaurants, schools, and major roadways, this move-in-ready home offers a great combination of comfort, updates, and value. Schedule your showing today! **BACK ON MARKET***
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).
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: Shingle — year not disclosed (home built 2005)
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: ~1,756 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Mickler's Landing Beachfront Parkabout 25 mi · 202 parking spaces
Closest park or preserve
Alpine Groves Parkabout 7 mi · 1 mi of trails
Closest public boat ramp
Old Ferry Public Boat Ramp (aka. Rideout Ferry)about 2 mi · St. Johns River - Black Creek
Closest kayak & paddleboard launch
Doctors Lake Park Kayak Launchabout 2 mi · Doctors Lake
Closest grocery store
Publixabout 7 mi · 6001 Argyle Forest Blvd, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $229,800 | $63,908 | — |
| 2024 | $234,827 | $61,400 | — |
| 2023 | $232,580 | $58,156 | — |
| 2022 | $194,639 | $55,006 | — |
| 2021 | $143,265 | $51,948 | — |
| 2020 | $135,070 | $50,541 | — |
2025 property taxes (current owner): $1,494/yr
Estimated taxes if purchased at asking price: ~$5,600/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
- Oct 12, 2026Closed$299,900
- Aug 21, 2026Active Under Contract$299,900
- Aug 4, 2026Price change$299,900−$9,050
- Jul 21, 2026Active$308,950
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 $208/sq ft; this home is listed at $242/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1945 Breckenridge Boulevard, Middleburg, FL 32068Listed by KELLER WILLIAMS ST JOHNS | Aug 2026 | $285,000 | $184 | 4/2 | 1,548 | 3 | 0.3 |
| 2704 Ian Court, Middleburg, FL 32068Listed by NAVY TO NAVY HOMES LLC | Aug 2026 | $285,000 | $202 | 4/2 | 1,414 | 6 | 0.3 |
| 2420 Cashmere Court, Middleburg, FL 32068Listed by ERA ONETEAM REALTY | Sep 2026 | $300,000 | $216 | 3/2 | 1,390 | 4 | 0.4 |
| 2164 Orangewood Street, Middleburg, FL 32068Listed by WATSON REALTY CORP | Jul 2026 | $280,000 | $212 | 3/2 | 1,320 | 10 | 0.4 |
| 2454 Ambrosia Drive, Middleburg, FL 32068Listed by RE/MAX SPECIALISTS | Jul 2026 | $192,000 | $128 | 3/2 | 1,496 | 14 | 0.4 |
| 2309 Casablanca Court, Middleburg, FL 32068Listed by UNITED REAL ESTATE GALLERY | Nov 2026 | $278,000 | $208 | 3/2 | 1,338 | 4 | 0.5 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ASSIST 2 SELL BUYERS & SELLERS PREMIER REALTY
Sold by: DJ & LINDSEY REAL ESTATE (buyer's brokerage)
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 Oct 7, 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
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