Sold·Closed Aug 28, 2026·25 days on market
953 McLaughlin Lane
Middleburg, FL 32068
About this home
Middleburg
Welcome to 953 McLaughlin Ln, Middleburg, FL 32068! Nestled on 1.39 acres with no HOA or CDD, this well-maintained home offers the perfect blend of privacy and modern updates. Enjoy new luxury vinyl plank flooring, a new roof, new water heater, and a spacious screened-in sunroom overlooking the expansive backyard. With plenty of room for a pool, workshop, RV, or boat, this property offers endless possibilities. Conveniently located near shopping, dining, and schools while providing the peace and freedom of country living. Don't miss this rare opportunity to own acreage in Middleburg!
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: Shingle — year not disclosed (home built 1998)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · 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: ~1,589 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.
Sun & Light
Southwest-facing backyard — long light and winter sunsets
The listing reports the home facing northeast, which puts the backyard on the southwest side. Today at this address: sunrise 7:27 AM, sunset 7:01 PM.
- The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
- Summer late-afternoons run hot; a pool here is warm and sunset-lit, and shading the lanai’s west edge earns its keep.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
Last sold: $243,400 in February 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $213,456 | $0 | — |
| 2024 | $193,059 | $0 | — |
| 2023 | $174,379 | $174,379 | — |
| 2022 | $135,147 | $25,000 | — |
| 2021 | $95,764 | $25,000 | — |
| 2020 | $84,575 | $25,000 | — |
Estimated taxes if purchased at asking price: ~$5,100/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 28, 2026Closed$280,000
- Aug 10, 2026Pending$280,000
- Jul 27, 2026Active Under Contract$280,000
- Jul 14, 2026Active$280,000
- Jul 7, 2026Active Under Contract$280,000
- Jul 2, 2026Listed$280,000
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 $261/sq ft; this home is listed at $173/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4461 Saddlehorn Trail, Middleburg, FL 32068Listed by LA ROSA REALTY NORTH FLORIDA, LLC. | Dec 2025 | $375,000 | $237 | 3/2.5 | 1,580 | 60 | 0.6 |
| 4141 Saddlehorn Trail, Middleburg, FL 32068Listed by WORTH CLARK REALTY | Jun 2025 | $535,000 | $297 | 4/2 | 1,804 | 5 | 0.6 |
| 4041 Saddlehorn Trail, Middleburg, FL 32068Listed by WATSON REALTY CORP | May 2026 | $500,000 | $272 | 4/2 | 1,841 | 326 | 0.8 |
| 7281 Cactus Cut Court, Middleburg, FL 32068Listed by MARK SPAIN REAL ESTATE | May 2026 | $495,000 | $261 | 3/2 | 1,895 | 8 | 1.1 |
| 1131 Cactus Cut Road, Middleburg, FL 32068Listed by PALM III REALTY AND PROPERTY M | Oct 2026 | $410,000 | $248 | 3/2 | 1,652 | 43 | 1.2 |
| 1170 Cactus Cut Road, Middleburg, FL 32068Listed by WATSON REALTY CORP | Sep 2026 | $250,000 | $126 | 3/2 | 1,985 | 56 | 1.2 |
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
School Information
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 28, 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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