Sold·Closed Jul 22, 2026·9 days on market
1745 St Ives Drive
Middleburg, FL 32068
About this home
Middleburg
Welcome home to this charming 3 bedroom 2-bath home located in Copper Gate subdivision. This well-maintained home features a spacious eat in kitchen with brand-new stainless-steel appliances. The living room is centered around a cozy fireplace while glass doors that lead to a patio overlooking the oversized backyard-perfect for entertaining or just relaxing. The spacious spare bedrooms offer room to grow, while the primary suite is tucked away at the back of the home for added privacy. Both bathrooms have been updated. For added peace of mind, a brand-new roof and AC unit will be installed before closing. The home also has a newer water heater. Conveniently located with quick access to the expressway, commuting is a breeze while shopping, dining and everyday conveniences are just minutes away. Don't miss your opportunity to make this wonderful home with no HOA yours-schedule your showing today.
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 1988)
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: ~1,164 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 | $202,592 | $180,956 | — |
| 2024 | $200,440 | $164,506 | — |
| 2023 | $197,217 | $149,551 | — |
| 2022 | $164,924 | $135,956 | — |
| 2021 | $123,597 | $123,597 | — |
| 2020 | $117,064 | $117,064 | — |
2025 property taxes (current owner): $3,254/yr
Estimated taxes if purchased at asking price: ~$4,700/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
- Jul 22, 2026Closed$259,900
- Jun 19, 2026Listed$259,900
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 $190/sq ft; this home is listed at $212/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1817 Hearth Street, Middleburg, FL 32068Listed by MOMENTUM REALTY | Oct 2026 | $293,000 | $192 | 3/2 | 1,528 | 9 | 0.2 |
| 1900 Penzance Parkway, Middleburg, FL 32068Listed by NORTH FLORIDA REAL ESTATE PARTNERS INC | Jul 2026 | $260,000 | $206 | 3/2 | 1,264 | 120 | 0.2 |
| 1828 Sherwood Drive, Middleburg, FL 32068Listed by 904 REALTY LLC | Aug 2026 | $256,000 | $190 | 3/2 | 1,350 | 6 | 0.3 |
| 3512 Alec Drive, Middleburg, FL 32068Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Sep 2026 | $227,000 | $175 | 3/2 | 1,300 | 137 | 0.4 |
| 1841 Yukon Court, Middleburg, FL 32068Listed by MOMENTUM REALTY | Sep 2026 | $195,000 | $153 | 3/2 | 1,272 | 64 | 0.4 |
| 1864 Sheraton Lakes Circle, Middleburg, FL 32068Listed by EXP REALTY LLC | Aug 2026 | $250,000 | $165 | 4/3 | 1,512 | 200 | 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.
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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 22, 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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