$690,0003 bd · 2 ba · 1,616 sq ft
Active·125 days on market
4142 Scenic Drive
Middleburg, FL 32068
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Middleburg
Wake up to Black Creek right outside your door. This waterfront home for sale in Middleburg sits on a full, private acre in Clay County, with river access that takes you out to the St. Johns. Custom built in 2018 to current elevation standards, the home stands 20 feet above ground at a high elevation, with both stairs and a private elevator for easy access. Inside, luxury vinyl plank flooring flows through an open floor plan anchored by a custom fireplace. The kitchen is a showstopper, with granite countertops, stainless steel appliances, 42 inch cabinets, and a pot filler over the stove for the home chef. There are three bedrooms and two bathrooms, plus a fully air conditioned downstairs office. The owner's suite is a true retreat with a soaker tub, a separate shower, and a generous walk in closet with custom built ins.
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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone NPBC
Check floridadisaster.org/knowyourzone for what this designation means locally.
Roof: material not specified — year not disclosed (home built 2018)
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: ~1,262 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Sal Taylor Creek Preserveabout 10 mi · 4.6 mi of trails
Closest public boat ramp
Middleburg (Main Street) Public Boat Rampabout 1 mi · North Fork Black Creek
Closest kayak & paddleboard launch
Jennings State Forest – Indian Ford Paddling Accessabout 3 mi · Black Creek North Fork
Closest grocery store
Walmart Supercenterabout 8 mi · 10000 Omni Dr, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
Last sold: $605,000 in September 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2024 | $395,402 | $175,807 | — |
| 2023 | $358,785 | $169,231 | — |
| 2022 | $304,595 | $162,846 | — |
| 2021 | $247,198 | $156,647 | — |
| 2020 | $224,172 | $153,794 | — |
2025 property taxes (current owner): $7,050/yr
Estimated taxes if purchased at asking price: ~$12,700/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 (2024), NEFMLS.
History
Price & status history
- Jul 8, 2026Listed$690,000
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 $213/sq ft; this home is listed at $427/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 229 Dolphin Circle, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATE | Sep 2026 | $283,250 | $153 | 4/2 | 1,848 | 12 | 0.8 |
| 12 Bitterroot Avenue, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLC | Aug 2026 | $390,000 | $217 | 3/2 | 1,800 | 21 | 0.8 |
| 4395 Eli Whitney Drive, Middleburg, FL 32068Listed by WATSON REALTY CORP | Oct 2026 | $390,990 | $279 | 3/2 | 1,401 | 77 | 0.9 |
| 2051 Cornell Road, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLC | Sep 2026 | $295,000 | $213 | 3/2.5 | 1,384 | 34 | 1 |
| 66 Panda Avenue, Middleburg, FL 32068Listed by BEYCOME OF FLORIDA LLC | Oct 2026 | $260,000 | $160 | 3/2 | 1,620 | 58 | 1.3 |
| 2140 Tom Thumb Road, Middleburg, FL 32068Listed by WATSON REALTY CORP | Sep 2026 | $335,000 | $191 | 3/2 | 1,757 | 56 | 1.3 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY
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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