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Sold

Sold·Closed Oct 8, 2026·53 days on market

2706 Tina Lane

Middleburg, FL 32068

$220,000sold priceListed at $226,000 · 97.3% of asking$187/sqftMLS# 2154910
4
Beds
2
Baths
1,174
Sq Ft
1981
Built
1
Garage
No
Pool
FEMA Zone XNo HOA8,712 sqft lotSingle Family Residence1 story

About this home

Middleburg

Welcome home to this 4-bedroom, 2-bath brick home nestled in a well-established neighborhood. Inside, you'll find a warm and inviting living area featuring a cozy wood burning fireplace, perfect for relaxing evenings with family and friends. The fictional floor plan offers comfortable living spaces designed for everyday living. Step outside to enjoy the screened back patio-an ideal spot for morning coffee, outdoor dining, or simply unwinding while overlooking the spacious, fully fenced backyard. Conveniently located close to schools, shopping, dining, and everyday amenities, this home combines comfort, charm, and convenience. Don't miss your opportunity to make this wonderful property your next home!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,219
Property taxesest. at asking price, Clay County$337
Estimated total, before insurance$1,556/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,533/yr · $294/mo
  • • 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

$220,000
$44,000
Loan Term
Monthly Payment
$1,219
Principal & Interest: $1,219
Property taxes (est.): $337
Insurance (est.): $147
Estimated Total Monthly
$1,702
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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 1981)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer (public record) · Public water · Clay County Utilities

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,656 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 home

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 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

2025 property taxes (current owner): $3,533/yr

Estimated taxes if purchased at asking price: ~$4,000/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, NEFMLS.

History

Price & status history

  • Oct 9, 2026Closed$226,000
  • Aug 30, 2026Active Under Contract$226,000
  • Aug 13, 2026Price change$226,000−$11,000
  • Jul 10, 2026Listed$237,000

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 $202/sq ft; this home is listed at $193/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1670 Anne Drive, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$240,000$1624/21,478270.2
1647 Rhonda Drive, Middleburg, FL 32068Listed by ENTERA REALTY LLCSep 2026$243,000$2073/21,172480.2
2702 Pinewood Boulevard N, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$242,000$2193/21,104130.2
1658 Evergreen Lane E, Middleburg, FL 32068Listed by RE/MAX SPECIALISTSSep 2026$137,600$1023/21,3481710.3
3067 Wavering Lane, Middleburg, FL 32068Listed by WATSON REALTY CORPAug 2026$255,000$2023/21,260100.4
1637 Teaberry Drive, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MORTGAGE PROPERTY MANAGEMENTJul 2026$259,900$1993/21,308230.4

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

Price$226,000
Price / Sq Ft$193
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,174
Acres0.20 acres
Year Built1981
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address2706 Tina Lane, Middleburg, FL 32068
Area146-Middleburg-NE
SubdivisionGreenwood Estates
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size8,712 sq ft
Parcel Number34042500815321600

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1

Additional Information

Date ListedJuly 10, 2026
Days on Market53
Tax Amount$3,532.5
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER BEN BATES INC

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Oct 8, 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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