Sold·Closed Aug 20, 2026·5 days on market
1695 Sandy Hollow Loop
Middleburg, FL 32068
About this home
Middleburg
Beautiful Florida Oasis! This spacious 3-bedroom, 2-bath home with a versatile 4th flex room offers the perfect blend of comfort, style, and outdoor living. Step inside and enjoy the completely renovated kitchen and updated flooring throughout, creating a fresh, modern feel that is move-in ready. Designed for enjoying the Florida lifestyle, this home features a large screened-in porch overlooking a huge pool and beautiful pool deck--perfect for relaxing or entertaining family and friends. The pool pump has been recently replaced, adding peace of mind for the next owner. Situated on a large corner lot, the fully fenced backyard provides plenty of privacy and room to spread out. Need space for hobbies, storage, or toys? This property includes a 10x20 tool shed and an impressive 15x50 concrete parking pad inside the fenced yard--ideal for an RV, boat, trailer, or additional vehicles. Major updates have already been completed, including a roof replaced in 2019, plus a new HVAC (cont..)
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: Shingle — 2019 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,556 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.
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 | $313,467 | $274,433 | — |
| 2024 | $296,792 | $249,485 | — |
| 2023 | $279,007 | $226,805 | — |
| 2022 | $246,867 | $206,187 | — |
| 2021 | $187,443 | $187,443 | — |
| 2020 | $175,559 | $175,559 | — |
2025 property taxes (current owner): $4,789/yr
Estimated taxes if purchased at asking price: ~$6,000/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
- Aug 20, 2026Closed$315,000
- Jul 7, 2026Pending$315,000
- Jul 2, 2026Listed$315,000
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 $175/sq ft; this home is listed at $180/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2025 Frogmore Drive, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $310,000 | $175 | 4/2 | 1,770 | 39 | 0.5 |
| 232 Brickyard Road, Middleburg, FL 32068Listed by REAL BROKER LLC | Aug 2026 | $365,000 | $199 | 4/2 | 1,835 | 55 | 0.5 |
| 1658 Evergreen Lane E, Middleburg, FL 32068Listed by RE/MAX SPECIALISTS | Sep 2026 | $137,600 | $102 | 3/2 | 1,348 | 171 | 0.6 |
| 1435 Pawnee Street, Orange Park, FL 32065Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $315,000 | $194 | 3/2 | 1,624 | 6 | 0.7 |
| 2866 Gatling Boulevard, Orange Park, FL 32065Listed by KELLER WILLIAMS FIRST COAST REALTY | Aug 2026 | $289,900 | $165 | 4/2 | 1,752 | 42 | 0.7 |
| 1670 Anne Drive, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $240,000 | $162 | 4/2 | 1,478 | 27 | 0.9 |
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: DJ & LINDSEY REAL ESTATE
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 Aug 20, 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
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