Pending·103 days on market
66 Panda Avenue
Middleburg, FL 32068
See it this week
Want to walk through this home this week?
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
Charming mobile home located on a spacious lot with beautiful trees and privacy. This recently renovated 3 bedroom/2 bath home has brand new roof, all new kitchen and bathroom cabinets, new stainless steel appliances with wine cooler, new hot water heater, new AC and well pump, new luxury vinyl plank floors throughout. Septic recently pumped and inspected. Enjoy entertaining on the back deck or in your upgraded kitchen with oversized windows with an amazing view!
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.
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 1994)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,183 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 | $146,329 | $0 | — |
| 2024 | $144,320 | $0 | — |
| 2023 | $132,035 | $0 | — |
| 2022 | $103,315 | $0 | — |
| 2021 | $81,719 | $0 | — |
| 2020 | $70,999 | $24,500 | — |
Estimated taxes if purchased at asking price: ~$4,600/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
- Aug 26, 2026Pending$249,900
- Aug 17, 2026Price change$249,900−$9,600
- Jul 20, 2026Price change$259,500−$400
- Jun 29, 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 $225/sq ft; this home is listed at $154/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 45 Mint Circle, Middleburg, FL 32068Listed by HASSLE-FREE REALTY LLC | Aug 2026 | $376,000 | $251 | 4/2 | 1,496 | 16 | 0.3 |
| 4395 Cotton Gin Court, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $419,633 | $233 | 3/2 | 1,801 | 51 | 0.3 |
| 128 Sesame Street, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $310,000 | $181 | 3/2 | 1,716 | 36 | 0.5 |
| 229 Dolphin Circle, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATE | Sep 2026 | $283,250 | $153 | 4/2 | 1,848 | 12 | 0.6 |
| 212 N Mimosa Avenue, Middleburg, FL 32068Listed by KELLER WILLIAMS FIRST COAST REALTY | Sep 2026 | $430,000 | $225 | 3/2 | 1,910 | 2 | 0.8 |
| 156 Horsetail Avenue, Middleburg, FL 32068Listed by REALTY MASTERS, INC. | Aug 2026 | $164,900 | $113 | 3/2 | 1,464 | 177 | 0.8 |
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
Additional Information
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.
Keep looking
More homes in Jacksonville South
For Sale267 Aster AvenueMiddleburg, FL 32068
4 bd · 2 ba · 1,680 sq ft
$259,000Est. $1,379/mo**OPEN HOUSE 10/3 SAT 11a-3p** NEW ROOF, NEW HVAC, NEW WATER HEATER and NEW WELL PUMP. Welcome to 267 Aster Avenue,…
Listing Office: jpar city and beach
For Sale4589 Belladonna StreetMiddleburg, FL 32068
3 bd · 2 ba · 1,152 sq ft
$240,000Est. $1,277/moCompletely remodeled and move-in ready! Up to a $5,000 credit for rate buydown or buyer discretion from seller. This…
Listing Office: florida homes realty & mtg llc
For Sale35 Orchid AvenueMiddleburg, FL 32068
3 bd · 2.5 ba · 1,680 sq ft
$239,990Est. $1,277/moThis 3-bedroom, 2.5-bath manufactured home offers 1,680 sq ft of living space on over 1 acre. Rehabbed in 2021 and…
Listing Office: exit inspired real estate
For Sale4834 Fireweed StreetMiddleburg, FL 32068
4 bd · 2 ba · 1,782 sq ft
$259,900Est. $1,383/moWelcome home to 4834 Fireweed St! This 4 bedroom, 2 bath home sits on 1.14ac and is just waiting for a new owner!…
Listing Office: nexthome collins realty
Keep looking
Similar homes in Middleburg
Your Local Realtor
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.
Text Krista about this home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines