Sold·Closed Jul 31, 2026·3 days on market
2024 Catherine Lane
Middleburg, FL 32068
About this home
Middleburg
Investment opportunity with potential! Situated on 1.25 high-and-dry acres in Middleburg, this 3-bedroom, 2-bath mobile home offers 1,032 square feet and multiple paths to create value. Whether you're looking for your next fix-and-flip, buy-and-hold rental, or a property to renovate and make your own, this one checks all the boxes. Prefer a fresh start? Remove the existing mobile home and replace it with a new manufactured home or build your dream home (buyer to verify zoning and building requirements). The home is in need of renovation, but the power is on, the well and septic appear to be functioning, and the property is ready for its next chapter. With existing utilities already in place and the lot sitting high and dry, this property provides an excellent foundation for your investment plans. Opportunities with this much flexibility are becoming harder to find. Bring your vision and unlock the potential this Middleburg property has to offer!
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.
- • 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: material not specified — year not disclosed (home built 1985)
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: ~1,571 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 |
|---|---|---|---|
| 2024 | $87,951 | $68,689 | — |
| 2023 | $79,548 | $62,445 | — |
| 2022 | $67,874 | $56,769 | — |
| 2021 | $51,609 | $51,609 | — |
| 2020 | $49,240 | $49,240 | — |
2025 property taxes (current owner): $1,721/yr
Estimated taxes if purchased at asking price: ~$1,400/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 31, 2026Closed$110,000
- Jul 13, 2026Pending$110,000
- Jul 8, 2026Listed$110,000
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 $190/sq ft; this home is listed at $107/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2012 Teal Lane, Middleburg, FL 32068Listed by AT HOME REALTY SERVICES, LLC. | Sep 2026 | $200,000 | $199 | 2/1 | 1,006 | 158 | 0.8 |
| 5402 Angus Road, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATE | Aug 2026 | $245,000 | $227 | 2/1 | 1,080 | 141 | 1.6 |
| 5705 Short Horn Road, Middleburg, FL 32068Listed by SMILEEHOUSE AUCTION CO LLC | Mar 2026 | $135,000 | $108 | 3/2 | 1,248 | 3 | 1.7 |
| 86 Melanie Lane, Middleburg, FL 32068Listed by WATSON REALTY CORP | Jun 2026 | $120,000 | $130 | 3/2 | 924 | 207 | 1.9 |
| 5117 Huntington Court, Middleburg, FL 32068Listed by WATSON REALTY CORP | Jun 2026 | $225,000 | $190 | 3/2 | 1,186 | 18 | 2.2 |
| 5171 Antler Trail, Middleburg, FL 32068Listed by POWERHOUSE REALTY INC. | Jun 2026 | $125,000 | $102 | 3/2 | 1,227 | 166 | 2.4 |
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: EXIT INSPIRED 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 Jul 31, 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines