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Pending

Pending·107 days on market

4737 Javeline Circle

Middleburg, FL 32068

$435,000$317/sqftEst. $2,409/moMLS# 2152866
↓ $24,000 below original list
3
Beds
2
Baths
1,374
Sq Ft
1990
Built
2
Garage
No
Pool
FEMA Zone XNo HOA1.18 acresSingle Family Residence1 story

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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

Welcome to the property that gives you what so many buyers are searching for but rarely find--space, privacy, and the freedom to truly enjoy your land. Nestled on 1.18 beautifully wooded acres, this well-maintained 3-bedroom, 2-bath home is the perfect blend of peaceful country living and everyday convenience. A gated entrance, circular driveway, mature trees, and abundant parking create a welcoming first impression. Inside, vaulted ceilings and a cozy wood-burning fireplace make the living area feel warm, open, and inviting. The functional layout is designed for comfortable everyday living as well as entertaining family and friends. Outside is where this property truly shines. The impressive 30x40 metal workshop, oversized two-car garage, covered carport, and ample parking provide endless possibilities for hobbies, storage, RVs, boats, trailers, or a home-based business. With no HOA and plenty of room to add a pool, or simply enjoy t

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,409
Property taxesest. at asking price, Clay County$667
Estimated total, before insurance$3,076/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,889/yr · $324/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$435,000
$87,000
Loan Term
Monthly Payment
$2,409
Principal & Interest: $2,409
Property taxes (est.): $667
Insurance (est.): $290
Estimated Total Monthly
$3,366
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 1990)

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: ~1,448 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 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.

Cost to own

Taxes & assessment

Last sold: $340,500 in March 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$295,835$244,414—
2024$266,994$216,994—
2023$251,037$83,901—
2022$219,511$78,972—
2021$166,497$75,216—
2020$163,399$73,488—

2025 property taxes (current owner): $3,889/yr

Estimated taxes if purchased at asking price: ~$8,000/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 22, 2026Pending$435,000
  • Sep 5, 2026Price change$435,000−$10,000
  • Aug 21, 2026Price change$445,000−$14,000
  • Jun 29, 2026Listed$459,000

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 $241/sq ft; this home is listed at $317/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3139 S Deer Avenue, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATEMay 2026$215,000$1303/21,652410.2
2961 Beaver Avenue, Middleburg, FL 32068Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJul 2026$362,500$2473/21,4691160.5
3024 Longleaf Ranch Circle, Middleburg, FL 32068Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEJun 2026$415,000$2404/21,728120.7
4561 Chipmunk Road, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATEMar 2026$350,000$2833/21,238531
4568 Chipmunk Road, Middleburg, FL 32068Listed by WATSON REALTY CORPOct 2025$324,500$2413/21,344231
2965 Guava Court, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATESep 2026$322,000$2343/21,37771.2

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

Price$435,000
Price / Sq Ft$317
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,374
Acres1.18 acres
Year Built1990
TypeResidential
Sub-TypeSingle Family Residence
StatusPending
# of Garages2
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo

Community Information

Address4737 Javeline Circle, Middleburg, FL 32068
Area145-middleburg-SW
SubdivisionBlack Creek Park
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size51,400.8 sq ft
Parcel Number32052400669901600

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingOther, Carport, Circular Driveway, Garage, Garage Door Opener, Gated, RV Access/Parking

Interior

AppliancesOther, Dishwasher, Electric Cooktop, Electric Oven, Electric Water Heater, Freezer, Refrigerator, Washer/Dryer Stacked
HeatingCentral
CoolingCentral Air
# of Stories1

Exterior

Exterior FeaturesFire Pit, Other

Additional Information

Date ListedJune 29, 2026
Days on Market85
Tax Amount$3,889
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan, Other
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BEYCOME OF FLORIDA 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.

Your Local Realtor

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

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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